# EDGAR Filing Document

**Accession Number:** 0001861873
**File Stem:** 0001839882-23-000761
**Filing Date:** 2023-1
**Character Count:** 2328259
**Document Hash:** e97c5a6de4e8121ff66f1832ddc4dd01
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001839882-23-000761.hdr.sgml**: 20230113

**ACCESSION NUMBER**: 0001839882-23-000761

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

**PUBLIC DOCUMENT COUNT**: 65

**CONFORMED PERIOD OF REPORT**: 20230113

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

**FILED AS OF DATE**: 20230113

**DATE AS OF CHANGE**: 20230113

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT NQM DEPOSITOR III, LLC
- **CENTRAL INDEX KEY:** 0001861873
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05584
- **FILM NUMBER:** 23527932

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT NQM DEPOSITOR III, LLC
- **CENTRAL INDEX KEY:** 0001861873
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT NQM DEPOSITOR III, LLC
- **CENTRAL INDEX KEY:** 0001861873
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05584

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **STREET 2:** 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>GCAT NQM Depositor III, llc</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001861873

<u>GCAT 2023-NQM1 Trust</u><br> (Exact name of issuing entity as specified in its charter)

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

Central Index Key Number of underwriter (if applicable): ________________

Thomas Durkin, (212) 692-2000

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

#### PART I: REPRESENTATION AND WARRANTY INFORMATION
Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

#### PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS

#### Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer
The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | Consolidated Analytics, Inc ("Consolidated") Narrative |
| [99.2](ex99-2.htm) | Consolidated Due Diligence Standard Report |
| [99.3](ex99-3.htm) | Consolidated Supplemental Report |
| [99.4](ex99-4.htm) | Consolidated Grading Summary Report |
| [99.5](ex99-5.htm) | Consolidated Valuations Summary Report |
| [99.6](ex99-6.htm) | Consolidated Data Compare Report |
| [99.7](ex99-7.htm) | AMC Diligence, LLC ("AMC") Executive Summary |
| [99.8](ex99-8.htm) | AMC Rating Agency Grades |
| [99.9](ex99-9.htm) | AMC Exception Grades |
| [99.10](ex99-10.htm) | AMC Valuation Summary |
| [99.11](ex99-11.htm) | AMC Supplemental Data |
| [99.12](ex99-12.htm) | AMC Data Compare |
| [99.13](ex99-13.htm) | Clayton Services LLC ("Clayton") Narrative |
| [99.14](ex99-14.htm) | Clayton Conditions Report |
| [99.15](ex99-15.htm) | Clayton Loan Level Tape Compare |
| [99.16](ex99-16.htm) | Clayton Non ATR QM |
| [99.17](ex99-17.htm) | Clayton Rating Agency ATR QM |
| [99.18](ex99-18.htm) | Clayton Valuations Summary |
| [99.19](ex99-19.htm) | Clayton Waived Conditions |
| [99.20](ex99-20.htm) | Digital Risk, LLC ("Digital Risk") Executive Summary |
| [99.21](ex99-21.htm) | Digital Risk Data Integrity Report |
| [99.22](ex99-22.htm) | Digital Risk Rating Agency Report |
| [99.23](ex99-23.htm) | Digital Risk Supplemental Data Report |
| [99.24](ex99-24.htm) | Digital Risk Findings Report |
| [99.25](ex99-25.htm) | Digital Risk Valuation Securitization Report |
| [99.26](ex99-26.htm) | Canopy Financial Technology Partners, LLC ("Canopy") Narrative |
| [99.27](ex99-27.htm) | Canopy Supplemental Data Report |
| [99.28](ex99-28.htm) | Canopy Rating Agency Grades Detail Report |
| [99.29](ex99-29.htm) | Canopy Rating Agency Grades Summary Report |
| [99.30](ex99-30.htm) | Canopy Valuation Report |
| [99.31](ex99-31.htm) | Canopy ATR QM Report |
| [99.32](ex99-32.htm) | Canopy Data Compare Report |
| [99.33](ex99-33.htm) | Evolve Mortgage Services ("Evolve") Executive Summary |
| [99.34](ex99-34.htm) | Evolve Rating Agency Grades |
| [99.35](ex99-35.htm) | Evolve Exception Detail |
| [99.36](ex99-36.htm) | Evolve Valuation Report |
| [99.37](ex99-37.htm) | Evolve Data Compare |
| [99.38](ex99-38.htm) | Evolve QM ATR Data |
| [99.39](ex99-39.htm) | Infinity IPS, Inc. ("Infinity") Executive Summary |
| [99.40](ex99-40.htm) | Infinity Data Compare Report |
| [99.41](ex99-41.htm) | Infinity Individual Exception Report |
| [99.42](ex99-42.htm) | Infinity Loan Level Exception Report |
| [99.43](ex99-43.htm) | Infinity Rating Agency Grade Report |
| [99.44](ex99-44.htm) | Infinity Valuation Report |
| [99.45](ex99-45.htm) | The StoneHill Group, Inc. ("StoneHill") Narrative |
| [99.46](ex99-46.htm) | StoneHill Rating Agency Grades Detail Report |
| [99.47](ex99-47.htm) | StoneHill Valuation Report |
| [99.48](ex99-48.htm) | StoneHill Rating Agency Grades Summary Report |
| [99.49](ex99-49.htm) | StoneHill Supplemental Data Extract |
| [99.50](ex99-50.htm) | StoneHill Data Compare Report |
| [99.51](ex99-51.htm) | StoneHill ATR OR QM Report |

---

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

---

| | |
|:---|:---|
|  | gcat nqm DEPOSITOR III, LLC |
|  | (Depositor) |
| Date: January 13, 2023 | /s/ Thomas Durkin |
|  | Name: Thomas Durkin |
|  | Title: President (senior officer in charge of securitization) |

---

## Exhibit 99.1

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.1**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on behalf of its client, Blue River Mortgage III LLC. The review included a total of 79 newly originated residential mortgage loans, in connection with the securitization identified as GCAT 2023-NQM1 (the "Securitization"). The Review was conducted from November 2021 to October 2022 on mortgage loans originated between October 2021 and May 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (79 loans in total):

Two (2) loans had a Secondary Appraisal, twenty-eight (28) loans had a AVM, and forty-one (41) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Zero (0) loans had a Field Review, zero (0) loans had a Full Appraisal Review, and one (1) loan had a Broker Price Opinion all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 79 mortgage loans reviewed, forty-nine (49) unique mortgage loans (62.03% by loan count) had a total of one-hundred and thirty-six (136) different tape discrepancies across sixteen (16) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;44 | &nbsp;&nbsp;32.35% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;30 | &nbsp;&nbsp;22.06% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;30 | &nbsp;&nbsp;22.06% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.41% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.41% |
| &nbsp;&nbsp;Liquid Cash Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;UW FICO Utilized | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;Original Collateral Value Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;First Payment Date of Loan | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Borrower First Time Buyer | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 76 | $36675002.00 | 96.20% |
| Event Grade B | 3 | $916500.00 | 3.80% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 79 | $37591502.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 78 | 98.73% |
| Event Grade B | 1 | 1.27% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 79 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 78 | 98.73% |
| Event Grade B | 1 | 1.27% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 79 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 78 | 98.73% |
| Event Grade B | 1 | 1.27% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 79 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DTI Exceeds AUS Maximum Allowable | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property is located in a FEMA disaster area | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Transmittal Summary is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;CoBorrower Liabilities Verified Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Data Tape Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certificate is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***61*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;CoBorrower Employment Verification does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR/QM Status is Pending | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID "Section E. Taxes and Other Government Fees" Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Rate Lock Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Post-Consummation Revised Closing Disclosure Data Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***29*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third party AVM Confidence Score is less than 80% | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party AVM to appraised value exceeds 10% allowable variance | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Issues Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Is Completion Certificate in file is No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***63*** |

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**Event Grade Definitions**

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

---

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

---

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

---

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

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## Exhibit 99.2

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.2**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alternate Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 392318137914 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 392318137914 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Condition is for informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 392318137914 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Missing documentation confirming XXX tax liability of $XXX has been paid in full.; Audit has reviewed FNMA guidelines, which are specific to when taxes are delinquent. There is no evidence in the file that taxes are delinquent. Condition is out of scope and is now cleared.; Per FNMA guidance verification of Tax payment (Paid in full) or payment plan is required. Please upload documentation to FTP site once received.<br>XXX, Monthly Debt Obligations (XX/XX/XXXX)<br>Federal Income Tax Installment Agreements<br> When a borrower has entered into an installment agreement with the IRS to repay delinquent federal income taxes, the lender may include the monthly payment amount as part of the borrower's monthly debt obligations (in lieu of requiring payment in full) if: <br> • There is no indication that a Notice of Federal Tax Lien has been filed against the borrower in the county in which the subject property is located. <br> • The lender obtains the following documentation:<br> o an approved IRS installment agreement with the terms of repayment, including the monthly payment amount and total amount due; and <br> o evidence the borrower is current on the payments associated with the tax installment plan. Acceptable evidence includes the most recent payment reminder from the IRS, reflecting the last payment amount and date and the next payment amount owed and due date. At l one payment must have been made prior to closing. <br> As a reminder, lenders remain responsible under the life-of-loan representations and warranties for clear title and first-lien enforceability in accordance with XXX Representations and Warranties. <br> The payments on a federal income tax installment agreement can be excluded from the borrower's DTI ratio if the agreement meets the terms in Debts Paid by Others or Installment Debt described above. If any of the above conditions are not met, the borrower must pay off the outstanding balance due under the installment agreement with the IRS in accordance with XXX, Debts Paid Off At or Prior to Closing . Condition remains. |  |  | Borrower liabilities verified indicator is Present | 08/03/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 744989814297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/14/2022 | Cleared | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).; No COC found for change |  |  | This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). | 06/15/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 744989814297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/14/2022 | Cleared | -96377 | Compliance | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test.; No COC found to match changes |  |  | This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested | 06/15/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 744989814297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 1226 | Compliance | Intent to Proceed is Missing | The intent to proceed is Missing | Change status of 'Intent to Proceed is Missing' from Active to Open Rebuttal.;<br> Lender provided intent to proceed | 06/21/2022 | The intent to proceed is received. | 06/21/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 744989814297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/13/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 744989814297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/13/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 744989814297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of - XXX exceeds XXX% allowable variance. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 744989814297 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 731686643900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of XXX exceeds XXX% allowable variance. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/21/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 731686643900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/21/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 731686643900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/16/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 07/13/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 731686643900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/17/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Appraisal Fee increased y XXX, and credit report fee increased by .XX without a valid COC. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 07/07/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 731686643900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/17/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Appraisal Fee increased y XXX, and credit report fee increased by .XX without a valid COC. |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 08/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 731686643900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/16/2022 | Cleared | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).; Finding remains as the XXX% tolerance for lender service provided title services was breached by the addition of the Notary fee. A COC would not cure this as this is in section B and set to XXX% tolerances. ; Lender added the title notary fee in the amount of $XXX on XX/XX/XXXX. |  |  | This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). | 08/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 731686643900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/17/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; Appraisal Fee increased y XXX, and credit report fee increased by .XX without a valid COC. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | 08/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 357838176155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition is for information purposes only - Pending Valuation Review |  |  | Third Party Valuation Product Provided | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 357838176155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%.; CDA received - within tolerance - cleared |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 808385544233 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 808385544233 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/13/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 808385544233 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 07/13/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 158678750403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 2075 | Property | Title Issues Present | The following issues were noted: Provide Final Title Policy with Vesting as listed on Mortgage and removal of previous Lender. |  |  | Lender provided the title policy showing the borrower and LD as successor. Condition cleared. | 06/24/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 282763695775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/14/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/19/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 282763695775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/14/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided | 07/19/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 640225690033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/21/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/13/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 640225690033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/13/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 06/21/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 640225690033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 378603874504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The file does not contain any mortgage statements to confirm all the properties are escrowed or does not contain the hazard insurance or property taxes for any of the borrower's other properties |  |  | Lender provided the mortgage statements for the properties located at XXX XXX,XXX XXX. Condition cleared. | 07/19/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 378603874504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Lender used bonus income to qualify, borrower has been with employer for just over one year. The paystubs provided list this bonus income as "on-sign bonus" which can be considered a sign on bonus and not likely to continue for X years. No documentation was provided to show this bonus income is likely to continue; Lender provided a revised AUS/XXXX removing bonus income. . DTI of XXX% is within tolerance. Condition cleared. |  |  | Lender provided a revised AUS/XXXX removing bonus income. . DTI of XXX% is within tolerance. Condition cleared. | 07/19/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 378603874504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; Lender used bonus income to qualify, borrower has been with employer for just over one year. The paystubs provided list this bonus income as "on-sign bonus" which can be considered a sign on bonus and not likely to continue for X years. No documentation was provided to show this bonus income is likely to continue. Without the bonus income, the DTI exceeds the maximum allowable |  |  | Lender provided a revised AUS/XXXX. DTI of XXX% is within tolerance. Condition cleared. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) is not greater than the maximum allowable per AUS of XXXX | 07/19/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 378603874504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). |  |  | This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). | 06/30/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 378603874504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 06/30/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 378603874504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | 06/30/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 487896126390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/10/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) is not greater than the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 06/22/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 487896126390 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/10/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | Final XXX is showing other income of $XXX. Unable to determine the source of this income. ; Audit reviewed lender's response and has determined market rent on REO property XXX XXX does not meet Freddie Mac requirements. For rental property owned in the prior calendar year, the seller must obtain the Borrower's complete federal tax returns. If the property was out of service for any time period in the prior year and the Mortgage file contains a documented event such as a renovation and the schedule E supports this by a reduced number of days in use and reflects repair costs; or the property was purchased later in the calendar year and the schedule E supports this by a reduced number of days in use; and in either of the above instances, additional documentation provided as follows: form XX or XXX supporting the income reflected on the lease or documentation (bank statements evidencing deposit or electronic transfer of rental payments, canceled rent checks) supporting two months of receipt of rental income. In addition, the selling guide states non-subject property placed in service as a rental property in the current calendar year a lease must be used to determine the net rental income and form XX or XXX supporting the income reflected on the lease or documentation bank statements evidencing deposit or electronic transfer of rental payments, canceled rent checks supporting two months of receipt of rental income. Purchase date or conversion date, as applicable must be documented and leases must be current and fully executed with a minimum original term of one year. If the lease is documented as assigned from the property seller to the Borrower and is in the automatically renewable month-to-month phase of an original one-year (or longer) term lease, then a month-to-month term is acceptable. The lease provided is not in the borrower's name and documentation to verify lease was assigned from property seller to Borrower was not provided. Provide documentation to verify lease was assigned to the Borrower, provide documentation to verify property was out of service in prior year to meet Freddie Mac selling guide requirements. Condition XXX.; EXCEPTION REMAINS: Lender provided updated XXXX, AUS and XXX updating borrowers income from XXX to XXXX. Please provide all REO lease agreements that are not on the Sch E plus all Rental income worksheets to verify rental income for the borrower. Additional conditions may apply.; Lease in the amount of $XXX for XXX XXX, terminated on XX/XX/XXXX. Lease month to month for XXX XXX in the amount of $XXX, is not listed on the XXXX. Please provide the current leases, and evidence of receipt of rental income. Condition maintained. ; Lender provided updated AUS, XXX and XXX removing rental income on property XXX XXX and adding rental income for property XXX XXX. Lease agreement for property XXX XXX was previously provided and supports rental income for property. Audit DTI of XXX% is within tolerance of AUS approved DTI of XXX%. Condition cleared. |  |  | The borrower income verification does match approval | 07/19/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 703060882758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/17/2022 | Cleared | 1246 | Credit | Transmittal Summary is Partial | The transmittal summary is Partial- Provide final XXXX/AUS- leases in file for propertie XXX need to confirm PITI. Leases in file for XXX and XXX XXX have expired and no evidence of tenants occupying properties.Provide proof in order for borrower to get credit for leases.; Finding updated - The transmittal summary is Partial- Provide final XXXX/AUS- leases in file for propertie XXX need to confirm PITI. Leases in file for XXX and XXX XXX have expired and no evidence of tenants occupying properties.Provide proof in order for borrower to get credit for leases.; Finding updated - The transmittal summary is Partial- Provide final XXXX/AUS- leases in file for propertie XXX need to confirm PITI. Leases in file for XXX and XXX XXX have expired and no evidence of tenants occupying properties.Provide proof in order for borrower to get credit for leases. | Change status of 'Transmittal Summary is Partial' from Active to Cleared | 07/25/2022 | XX/XX/XXXX - Lender removed income for XXX XXX and XXX XXX. Condition cleared.; XX/XX/XXXX - The exception 'ATR/QM Status is Pending' is cleared.; XX/XX/XXXX - Lender provided HOI verification for XXX XXX and XXX XXX. In addition, Lender provided payment history and LOE from borrower that leases are verbal month-to-month on- going lease agreements; however, it does not reflect money being paid to the borrower. In addition, Freddie Mac XXXX.X requires leases to be current and fully executed, with a minimum original terms of one year. If the lease is documented as assigned from the property seller to the Borrower and is in the automatically renewable month-to-month phase of an original one-year (or longer) term lease, then a month-to-month term is acceptable. The documentation verifying the lease was assigned from seller to the borrower was not provided to meet Freddie Mac requirements. Condition XXX.; XX/XX/XXXX - EXCEPTION REMAINS: Lender provided HOI policy for XXX XXX. | 07/25/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 703060882758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | File is missing HOI for property XXX XXX and XXX XXX. Need documentation to confirm PITI. Leases in the file for properties XXX XXX & XXX XXX reflects XXX as landlord. Leases are expired and no evidence that tenent is still occuping property. Need proof borrower is landlord for credit of lease amount. <br> Updated Policy for Hazard insurance is missing. The HOI policy expires on XX/XX/XXXX which is before the first payment of note. updated policy for HOI on the subject property is needed. ; EXCEPTION REMAINS: Lender provided HOI policy for XXX XXX. ; Lender provided HOI verification for XXX XXX and XXX XXX. In addition, Lender provided payment history and LOE from borrower that leases are verbal month-to-month on- going lease agreements; however, it does not reflect money being paid to the borrower. In addition, Freddie Mac XXX requires leases to be current and fully executed, with a minimum original terms of one year. If the lease is documented as assigned from the property seller to the Borrower and is in the automatically renewable month-to-month phase of an original one-year (or longer) term lease, then a month-to-month term is acceptable. The documentation verifying the lease was assigned from seller to the borrower was not provided to meet Freddie Mac requirements. Condition XXX.; Lender removed income for XXX XXX and XXX XXX. Condition cleared. |  |  | XX/XX/XXXX - Lender removed income for XXX XXX and XXX XXX. Condition cleared.; XX/XX/XXXX - The exception 'ATR/QM Status is Pending' is cleared.; XX/XX/XXXX - Lender provided HOI verification for XXX XXX and XXX XXX. In addition, Lender provided payment history and LOE from borrower that leases are verbal month-to-month on- going lease agreements; however, it does not reflect money being paid to the borrower. In addition, Freddie Mac XXXX.X requires leases to be current and fully executed, with a minimum original terms of one year. If the lease is documented as assigned from the property seller to the Borrower and is in the automatically renewable month-to-month phase of an original one-year (or longer) term lease, then a month-to-month term is acceptable. The documentation verifying the lease was assigned from seller to the borrower was not provided to meet Freddie Mac requirements. Condition XXX.; XX/XX/XXXX - EXCEPTION REMAINS: Lender provided HOI policy for XXX XXX. The exception 'ATR/QM Status is Pending' is cleared. | 08/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 703060882758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/17/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; Lender provided payment history and LOE from borrower that leases are verbal month-to-month on- going lease agreements; however, it does not reflect money being paid to the borrower. In addition, Freddie Mac XXX requires leases to be current and fully executed, with a minimum original terms of one year. If the lease is documented as assigned from the property seller to the Borrower and is in the automatically renewable month-to-month phase of an original one-year (or longer) term lease, then a month-to-month term is acceptable. The documentation verifying the lease was assigned from seller to the borrower was not provided to meet Freddie Mac requirements. Condition XXX.; Lender removed income for XXX XXX and XXX XXX. Condition cleared.; Please provide lease agreement showing "Landlord name XXX-XXX XXX and XXX XXX.Provide current leases. Lease in file for propertie at XXX need to confirm PITI. |  |  | Lender removed income for XXX XXX and XXX XXX. Condition cleared.; The borrower income verification does match approval | 08/02/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 703060882758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Fema declared XXX county in a disaster area on XXX.XXX with an incident end date of XX/XX/XXXX. The appraisal in the file was completed on XX/XX/XXXX and reflects no damage. This exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 06/22/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 179729426416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX. Missing proof that additional mortgages with XXX/XXX (XXXX) with $XXX balance and XXX/XXX (XXXX) with $XXX were both paid off per AUS submission. ; Lender provided a revised XXX removing the $XXX other income, however did not provide a revised AUS and XXXX. The debt-to-income (DTI) ratio cannot exceed XXX%. If re-calculated DTI is greater than X% from the DTI on the AUS, the DU must be re-submitted. Condition maintained. ; Lender provided updated AUS, XXX and XXXX. Audit DTI of XXX% is within tolerance of the update AUS DTI of XXX%. Condition cleared. |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX. Lender provided evidence that additional mortgages with XXX/XXX (XXXX) with $XXX balance and XXX/XXX (XXXX) with $XXX were both paid off per AUS submission. Condition cleared. | 06/28/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 179729426416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/16/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Application listed "other" income for $XXX which is not documented in file. ; Finding remains; Lender provided a revised XXX removing the $XXX other income, however did not provide a revised AUS and XXXX. The debt-to-income (DTI) ratio cannot exceed XXX%. If re-calculated DTI is greater than X% from the DTI on the AUS, the DU must be re-submitted. Condition maintained. ; Lender provided updated AUS, XXX and XXX removing additional income of $XXX. Condition cleared.; Please provide evidence of other income in the amount of $XXX. Condition maintained. |  |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 07/19/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 443923961720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/20/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 443923961720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/20/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 443923961720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 545927237028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q.; Cleared |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 07/25/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 545927237028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Condition is for information purposes only – DD firm will order".\*\*\*<br>|  |  | Third Party Valuation Product Provided. | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 545927237028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 678610171030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/19/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Missing documentation for concurrent investment property cash-out refinance loan #XXX (XXX) closed X/XX/XX - provide copy of Final CD, Note, and DOT.; Lender provided finl CD. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 08/05/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 678610171030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/21/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | The borrower income verification does not match approval. AUS item XXX requires S/E income must be supported by complete signed individual and business tax returns. If the business has been in existence for < X yrs, provide tax returns for the most recent yr. Missing XXX Sch K-X used by lender for income calculation. Missing XXX XXXX Individual Tax Return used by lender for income calculation (Sch E Loss XXX).XXX Business License located in file nor LOE from CPA regarding length of self employment |  |  | Lender provided business tax returns for the most recent yr. (XXX XXX), XXX Sch K-2 used by lender for income calculation. Business License regarding length of self employment, and XXX XXXX Individual Tax Return used by lender for income calculation (Sch E Loss XXXX). Condition cleared. | 07/28/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 678610171030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/19/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. Condition is for information purposes only - DD firm will order. |  |  | Third Party Valuation Product Provided. | 07/29/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 678610171030 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/19/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. Condition is for information purposes only - DD firm will order. |  |  | Third Party Valuation Product Provided | 07/29/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 698458599581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/24/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order |  |  | Third Party Valuation Product Provided | 07/19/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 609959308109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 654 | Credit | CoBorrower Liabilities Verified Indicator is Partial | CoBorrower liabilities verified indicator is Partial: Motgage statements were not provided to document the PITI for the borrowers X REO properties whose income is being used to qualify. ; Please provide evidence of the PITIA for the following Properties: XXX XXX, XXX XXX, XXX XXX, XXX XXX. Condition maintained. | Change status of 'CoBorrower Liabilities Verified Indicator is Partial' from Active to Open Rebuttal.;<br> Lender provided verification of PITIA for all required properties. EXCEPTION RESOLVED; Please provide evidence of the PITIA for the following Properties: XXX XXX, XXX XXX, XXX XXX, XXX XXX. Condition maintained. | 07/01/2022 | CoBorrower liabilities verified indicator is Present | 07/01/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 609959308109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/07/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. Finding for informational purposes only - Pending Valuation Review. |  |  | Third Party Valuation Product Provided | 07/19/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 555472121574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q. |  |  | Received missing Asset account statements with XXX, clearing the condition. ; | 06/20/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 555472121574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (hurricane) on XX/XX/XXXX with a release date of XX/XX/XXXX. The appraisal is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; Grade B. |  |  | Post disaster inspection confirms no property damage | 06/10/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 555472121574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 1431 | Credit | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | The liquid reserves of XXX are less than the minimum required per AUS of XXX.; EXCEPTION REMAINS: Lender provided statements from XXX. Missing Asset statements from XXX to verify all assets needed for reserves. ; Please provide asset statements from XXX to verify all assets needed for reserves. Condition maintained. ; Received missing Asset account statements with XXX, clearing the condition. ; The approval lists a checking and savings account but no statements are in the file. |  |  | The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX. | 07/14/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 555472121574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Condition is for information purposes only; DD firm will order. |  |  | Third Party Valuation Product Provided. | 06/13/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 555472121574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/19/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 555472121574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cured Post Close | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Cleared to Cured Post Close.;<br> Lender provided a PCCD, refund and evidence of Delivery. Loan will be graded a B. | 06/20/2022 | Lender provided a PCCD, refund and evidence of Delivery. Loan will be graded a B. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 06/20/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 555472121574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cured Post Close | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Missing Changed Circumstance form to support increase in Appraisal fee by $XXX.; The appraisal fee increased wiht a COC stating purchas eprice change which would not be a valid reason for the appraisal fee going increasing an extra $XXX. A valid lender credit has already been applied, lender cure for violation is $XXX | Change status of 'Charges That Cannot Increase Test' from Cleared to Cured Post Close.;<br> Lender provided a PCCD, refund and evidence of Delivery. Loan will be graded a B. | 06/20/2022 | Lender provided a PCCD, refund and evidence of Delivery. Loan will be graded a B. This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 06/20/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 555472121574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cured Post Close | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; The appraisal fee increased wiht a COC stating purchas eprice change which would not be a valid reason for the appraisal fee going increasing an extra $XXX. A valid lender credit has already been applied, lender cure for violation is $XXX | Change status of 'Reimbursement Amount Test' from Cleared to Cured Post Close.;<br> Lender provided a PCCD, refund and evidence of Delivery. Loan will be graded a B. | 06/20/2022 | Lender provided a PCCD, refund and evidence of Delivery. Loan will be graded a B. This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | 06/20/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 888175597787 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/19/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only- DD firm will order. |  |  | Third Party Valuation Product Provided | 07/29/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 337732727683 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/16/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Missing WVOE, paystubs and WX's to validate lender income; EXCEPTION REMAINS: Lender provided a VVOE; however, did not provide the WVOE. The AUS bullet point XXX states borrower's income was assessed using the XXX report dated XX/XX/XXXX and report must be XXX in the loan file. Provide the XXX report dated XX/XX/XXXX and XXX tax returns all schedules to meet AUS requirements. ; Lender provided a VVOE; however, did not provide the WVOE. The AUS bullet point XXX states borrower's income was assessed using the XXX report dated XX/XX/XXXX and report must be XXX in the loan file. Provide the XXX report dated XX/XX/XXXX and XXX tax returns all schedules to meet AUS requirements. Condition XXX. |  |  | Lender provided the XXX report dated XX/XX/XXXX and XXX tax returns all schedules to meet AUS requirements. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 337732727683 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 06/22/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 150059871878 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/08/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (severe winter storms on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated X/X/XXXX and shows no damage. Exception for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 06/10/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 150059871878 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2022 | Cleared | 871 | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial: Missing previous Hazard policy as this is a refinance and should have been in the file.; EXCEPTION REMAINS: Lender provided HOI policy post note date. Please provide HOI policy from XX/XX/XXXX thru XX/XX/XXXX. ; Lender provided PDI with no damage. Condition cleared. |  |  | Hazard insurance indicator is Present | 08/09/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 150059871878 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/08/2022 | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: Incomplete Drive report. The Appraiser and Appraisal Company are missing. ; Cleared in comnditions. |  |  | Alerts from Fraud Report have been cleared. | 06/16/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 510598921388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/17/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | FEMA declared XXX county in a disaster area (Severe Storms) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 06/22/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 510598921388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/27/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Please provide evidence that XXX XXX is owned free and clear. Please provide evidence of the full PITI XXX XXX.; Finding remians, please submit property XXX report for the XXX XXX REO to show free and clear. XXX XXX has been cleared. |  |  | Lender provided the property XXX report for the XXX XXX to show free and clear. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 510598921388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/17/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q. |  |  | Lender provided the property XXX report for the XXX XXX and XXX XXX to show free and clear. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 759287834872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/19/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; Cleared wiht correct debts verified and AUS p XXX.; Lender provided Note, CD and market rent for property XXX; however, did not provide additional income documentation supporting the increase in base employment income. Condition XXX.; Lender provided updated AUS using increased base income and rental income from the subject property and concurrent closing REO. Per FNMA guidelines we cannot use net rent income for the subject since the borrower does not have the rental experience over XX months. we can only offset PITI. Need documentation to verify the updated increased base wage earnings along with copies of the lease agreements for the REO purchased concurrently with the subject property along with the full verification of PITIA. If no lease agreements then we cannot use the rental income for the REO per FNMA guidelines. Additional conditions may apply. ; Lender provided updated AUS, settlement statement verifying purchase date of REO property XXX and appraisal with market rent for REO property. Audit re-calculated income and debt resulting in a DTI of XXX% which exceeds the updated AUS approved DTI of XXX%. Lender increased borrower's base income; however, did not provide income documentation to support the increase in income. Further, FNMA states if borrower does not have XX months rental experience, rental income on the subject property can only be used to offset the PITIA on the subject property. Provide income documentation to support the higher income for the borrower reflected on the updated AUS. Condition XXX.; XXX #XXX shows in file that it was going to be paid at closing. It was not reflected on the final CD as being paid off. There is no proof in the file of this acct being paid. Upgrade #XXXX proof of being paid was in the file and XXX #XXX reflects another party paying this auto loan. I hit them for the $XXX pmt and this caused the d/r to be at XXX% vs the AUS XXX. |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 07/29/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 759287834872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/20/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The file is missing the final CD for the concurrent purchase of XXX. In addition, there is missing documentation to support the rental offset of the proposed PITI. The final XXX and AUS is reflecting a $XXX obligation. The file is also missing documentation to support the omission of XXX debt. Additional conditions may apply. ; EXCEPTION REMAINS: Lender provided updated AUS with rental income for the concurrent REO closing XXX, however no verification of PITIA and lease agreement provided to verify rental income generated. Additional conditions may apply.; Lender provided verification of settlement statement for property XXX verifying date purchased. Also provided CD for verification of PITIA and appraisal with market rent analysis verifying rental income on REO property. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 07/12/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 759287834872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/20/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | A verification of employment dated within XX days of the note date was not provided for the borrower (the AUS validation had expired prior to the note date). ; Cleared as this was received. |  |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 06/09/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 759287834872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/20/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Per UCDP in the file. |  |  | Third Party Valuation Product Provided. | 06/15/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 759287834872 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/20/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition is for information purposes only – Pending Valuation Review. |  |  | Third Party Valuation Product Provided | 06/15/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 853444156434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/25/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 06/15/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 853444156434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/25/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Based on the Lender Income calculations in file, the Lender used Schedule E from the XXX XXX to calculate rental income/losses. The XXX tax returns are not in file. ; Lender provided XXX tax returns with schedule E. Condition cleared. |  |  | The borrower income verification does match approval | 06/09/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 853444156434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/25/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 06/15/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 853444156434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/15/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of - XXX exceeds XXX% allowable variance.; CDA received - withing tolerance - cleared |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/29/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 288165543028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/07/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/19/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 288165543028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/07/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/19/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 383968472863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 1246 | Credit | Transmittal Summary is Partial | The transmittal summary is Partial: income on transmittal does not match the AUS. AUS shows Total MOnthly income of XXX and XXX shows $XXX BX income at XXX yet final XXX shows $XXX for BX. ; Lender provided updated AUS. Condition cleared. |  |  | The transmittal summary is Present | 07/12/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 383968472863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | XXX (Primary Residence) Please provide Mortgage Statement HOI, Tax cert, HOA if applicable.;<br> ;<br> XXX (Investment) Please provide Mortgage statement HOI, Tax cert, HOA if applicable.;<br> ;<br> XXXX (Investment) Please provide Mortgage statement HOI, Tax cert, HOA if applicable.;<br> ;<br> XXX (Investment) property owned free and clear. Please provide property profile ;<br> ;<br> XXXX (investment) property owned free and clear please provide property profile ;<br> ;<br> XXX(investment) property owned free and clear Please provide property profile ;<br> ; |  |  | Borrower liabilities verified indicator is Present | 08/05/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 383968472863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/16/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. |  |  | HMDA data tape provided. | 06/16/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 383968472863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Final XXX missing age of dependents; Lender provided XXXX. Condition cleared. |  |  | Final Loan Application is Present | 07/12/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 383968472863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/16/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX. NOTE: Included owner occupied in upfront as it appears lender did not include. Matched all other rental properties with full hit of payment and/or positive rental income per lenders final XXXX.; Lender provided updated AUS, XXX and XXXX. Audit DTI of XXX%, is within X% tolerance of the AUS approved DTI of XXX%. Condition cleared. |  |  | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 07/12/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 948775396482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/31/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 06/24/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 948775396482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/31/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 948775396482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/31/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | Change status of 'Charges That Cannot Increase Test' from Active to Cleared. | 05/24/2022 | Condition is invalid. | 05/24/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). | Change status of 'Charges That In Total Cannot Increase More Than XXX% Test' from Active to Cleared.<br> Invalid Condition | 05/24/2022 | Condition is invalid. | 05/24/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | Change status of 'Reimbursement Amount Test' from Active to Cleared. | 05/24/2022 | Condition is invalid. | 05/24/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | FEMA declared XXX county in a disaster area (Hurricane) on X/XX/XXXX, with a release date of X/X/XXXX. The appraisal in file dated X/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 05/27/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | -96373 | Compliance | TRID "Section E. Taxes and Other Government Fees" Validation Test | This loan failed the TRID "Section E. Taxes and Other Government Fees" validation test.This loan contains a fee or fees where "compensation to" is set to a party other than other, but this fee or fees should not be XXX by any party other than other. "Section E. Taxes and Other Government Fees" should contain the amounts to be paid to State and local governments for taxes and other government fees. | Change status of 'TRID "Section E. Taxes and Other Government Fees" Validation Test' from Active to Cleared. | 05/24/2022 | Condition is invalid. | 05/24/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Cleared. | 05/24/2022 | Condition is invalid. | 08/01/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of - XXX exceeds XXX% allowable variance.; Third party AVM value of XXX with a variance of - XXX exceeds XXX% allowable variance. |  |  | Additional third party valuation requested to support value.; Additional third party valuation requested to support value. | 06/20/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%.; Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value.; Additional third party valuation requested to support value. | 06/20/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 06/15/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 374277055020 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition is for informational purposes only-DD firm will order. |  |  | Third Party Valuation Product Provided | 06/15/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 717580418504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/20/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only- DD firm will order. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 06/15/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 717580418504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/19/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; Lender provided updated AUS and LOE explaining to reduce the rent income for XXX XXX from XXX to XXX x XXX% vacancy and subject property from XXX to XXX per the XXX appraisal market rents. Leder updated DTI and within X% tolerance. |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 06/14/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 717580418504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/24/2022 | Cleared | 650 | Credit | Borrower Liabilities Verificiation Indicator is Missing | X) Provide the lease agreement to support $XXX gross rent that was used to calculate the subject property net cash flow<br>X) Provide all lease agreements for XXX to support the gross rent amount of $XXX that was used to calculate rental income. We only have XXX lease agreement in the file for X unit at $XXX gross rent.<br>X). XXX XXX is listed as the primary residence on the XXXX. No expenses for this property have been included in the DTI. Taxes and insurance at minimum must be included in the DTI if the borrower is legally responsible and owns this property. Reusbmit to AUS if tolerance is exceeded and is necessary. | Change status of 'Borrower Liabilities Verificiation Indicator is Missing' from Active to Open Rebuttal.;<br> Lender provided updated AUS and LOE explaining to reduce the rent income for XXX XXX from XXX to XXX x XXX% vacancy and subject property from XXX to XXX per the XXX appraisal market rents. Leder updated DTI and within X% tolerance. | 06/14/2022 | Borrower liabilities verified indicator is Present. | 06/14/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 717580418504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/20/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (XXX) on XX/XX/XXXX with a release date of XX/XX/XXXX. The appraisal in file is dated X/XX/XXXX and shows no damage. Condition for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 05/27/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 717580418504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/15/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of - XXX exceeds XXX% allowable variance.; CCA received - within tolerance - cleared. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/29/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 671652380174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/27/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 671652380174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/27/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 06/16/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 671652380174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/27/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 671652380174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (severe ice storm) on XX/XX/XXXX, with a release date ofXX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 06/10/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 671652380174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2022 | Cleared | 942 | Credit | Flood Certificate is Missing | The flood certification is Missing |  |  | The flood certification is Present | 06/16/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 941866342876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/14/2022 | Cleared | 1248 | Credit | AUS is Partial | Subject loan is a Cash Out Refinance of a property purchased less than X months prior to the Note Date. To meet Freddie Mac Delayed Financing requirments the following must be documented: X) The Settlement Statement from the purchase reflecting no mortgage, X) title on subject is free and clear, X) max loan amount does not exceed the purchase price, and X) source of funds used to purchase the subject. File is missing source of funds used to purchase the subject due to XXX cashiers check of $XXX in file remitted by non signing spouse was not sourced and does not match funds required to close listed on Settlement Statement, nor can it be tied to the subject property.; Lender provided wire transfer; however, unable to tie the source of the funds. The settlement statement from the purchsae does not show the fund of the cashiers check in the amount of $XXX was utilized for this purchase. The cashiers check was made out to XXX which is not identified on the settlement statement. condition XXX.; Settlement statement from the purchase does not show the funds of cashier's check in the amount of $XXX was utilized for this purchase.<br>The cashier's check was made out to XXX which is not identified on the settlement statement.<br>Please provide Final/Updated Settlement Statement showing the borrowers funds were utilized in this transaction. <br> Condition remains. |  |  | Lender provided the source of delayed financing came from the borrower's XXX joint account ending XXXX. A $XXX cashier's check that was withdrawn on X/XX/XX. This check was given to the borrower's attorney, XXX & XXX, whom then wired $XXX to the settlement attorney, XXX, for the closing. Lender provided the wire confirmation and settlement statement from the purchase. Condition cleared. | 08/17/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 941866342876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending due to missing source of funds used to purchase the subject property to meet XXX Financing requirements per Freddie Mac Selling Guide.; Lender provided wire transfer; however, unable to tie the source of the funds. The settlement statement from the purchsae does not show the fund of the cashiers check in the amount of $XXX was utilized for this purchase. The cashiers check was made out to XXX which is not identified on the settlement statement. condition XXX.; Settlement statement from the purchase does not show the funds of cashier's check in the amount of $XXX was utilized for this purchase.<br>The cashier's check was made out to XXX which is not identified on the settlement statement.<br>Please provide Final/Updated Settlement Statement showing the borrowers funds were utilized in this transaction. <br> Condition remains. |  |  | Lender provided the source of delayed financing came from the borrower's XXX joint account ending XXXX. A $XXX cashier's check that was withdrawn on X/XX/XX. This check was given to the borrower's attorney, XXX & XXX, whom then wired $XXX to the settlement attorney, XXX, for the closing. Lender provided the wire confirmation and settlement statement from the purchase. Condition cleared. | 08/17/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 549779630163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Insurance for XXX, taxes and insurance for XXX, taxes and insurance for XXX , taxes for XXX and evidence XXX and XXX are free and clear was not provided. ; Audit reviewed the documentation provided. Please provide the Insurance for XXX , taxes and insurance for XXX , taxes and insurance for XXX , taxes for XXX . (Insurance provided), Evidence, such as a property profile showing free and clear for XXX and XXX (Tax and Insurance provided). Condition maintained. ; Lender provides the Insurance for XXX , XXX, taxes and insurance for XXX, XXXX, XXX,taxes and insurance for XXX, XXX , XXX tax, and a property profile showing free and clear for XXX . Please provide a property profile for XXX, showing free and clear. Condition maintained. |  |  | Please provided a revised XXXX, the mortgage statement, tax and insurance for XXX. Condition cleared. | 08/04/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 565417410280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/16/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q.; Lender provided XXX for sale of property XXX. Audit re-calculated rental income and has determined the audit DTI is XXX% which exceeds AUS approved DTI of XXX%. Provide updated AUS approving DTI of XXX% or provide documentation for omission of PITIA on property XXX . Condition XXX.; Lender provided updated AUS, XXX and XXXX. Condition cleared. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 06/28/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 565417410280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/16/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX. It does not appear the lender included the PITI for the primary residence and the PITI of XXX - evidence property was sold was not provided. ; Lender provided HUDX for sale of XXX; however, audit is unable to determine how REO income was calculated on property XXX . The XXX indicates rental income was not included for property; however, there was no documentation in file to verify why PITIA for XXX was not included in debt ratios. Provide documentation for the omission of the PITIA of $XXX for XXX or provide updated AUS that includes the PITIA for this property approving DTI of XXX%. Condition XXX.; Lender provided updated AUS, XXX and XXXX. Condition cleared. |  |  | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 06/28/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 565417410280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/16/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Third party verification of employment for all self employed income was not provided. Third party verification such as business license or CPA letter was not provided. |  |  | Lender provided the business license for XXX,XXX,XXX,XXX. Condition cleared. | 07/05/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 565417410280 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/16/2022 | Cleared | 2353 | Compliance | Evidence of Rate Lock Not Provided | Evidence of Rate Lock Not Provided |  |  | Evidence of Rate Lock Provided | 06/22/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 421139023392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/03/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection- current Appraisal date is post disaster, reflecting no current damge to Subject Condo Building<br> Tropical storm XXX X/XX/XXXX<br> Hurricane XXX XX/XX/XXXX<br> Hurricane XXX X/XX/XXXX |  |  | Post disaster inspection confirms no property damage | 06/16/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 421139023392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/14/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The property taxes for the Borrower's REO rental at XXX, XXX XXX has not been documented in the file. ; Cleared as this property is a CO-OP and therefore no taxes. Included in CO-OP dues.; Lender provided documentation on XXX XXX that does not belong to the borrower; however, did not provide documentation on XXX. Condition XXX.; Lender provided verification of PI, hazard and HOA for property XXX; however, did not provide verification of taxes to verify full PITIA for that property. Condition XXX. |  |  | Borrower liabilities verified indicator is Present | 07/21/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 910935971769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2022 | Acknowledged | 1258 | Credit | CoBorrower Employment Verification does not meet guidelines | A verification of employment dated within XX days of the note date was not provided for the co-borrower. ; A XX-day pre-closing verification (a verbal verification of employment) was not provided in the file. | Change status of 'CoBorrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client.;<br> Received in conditions, VVOE XX/XX/XX | 07/12/2022 | Received in conditions, VVOE XX/XX/XX. Condition acknowledged. Final grade will be a B, since VVOE is dated post closing. | 07/12/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 910935971769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/31/2022 | Cleared | 871 | Credit | Hazard Insurance Indicator is Partial | Loan is a XXX property and non-escrowed. The master certificate of insurance was provided but the walls in XXX declarations are missing. Additional conditions may apply.; The file is missing the borrower's HOX hazard insurance policy. Only the HOA master blanket policy was provided. |  |  | Hazard insurance indicator is Present | 06/09/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 910935971769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/31/2022 | Cleared | 924 | Credit | Title Policy is Missing | Title Policy is Missing |  |  | Lender provided the title commitment for the subject property. Condition cleared. | 06/16/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 910935971769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/09/2022 | Cleared | 2213 | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 06/09/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 910935971769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/01/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 07/19/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 977372213703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/06/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 977372213703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/06/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.<br> NOTE: Condition is for information purposes only – DD firm will order |  |  | Third Party Valuation Product Provided | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 977372213703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/13/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of - XXX exceeds XXX% allowable variance.; CDA received - within tolerance - cleared |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 977372213703 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 287653391222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/23/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX.<br> NOTE: It appears that the 2nd home mortgage was not included in the ratios. ; Audit reviewed lender's response and has determined the XXX indicates second home mortgage is paid by someone else. Mortgage statement on page XXX and bank statements on pages XXX-XXX support someone else is paying the mortgage on the second home. Audit re-calculated DTI is within tolerance. Condition cleared. |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXXX | 06/23/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 287653391222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/19/2022 | Cleared | 1431 | Credit | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | The liquid reserves of XXX are less than the minimum required per AUS of XXX.; The liquid reserves of XXX are less than the minimum required per AUS of XXX. |  |  | The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX.; The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX. | 07/22/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 287653391222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/23/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q.; Lender provided verication of assets and large deposits. Audit confirmed DTI is within tolerance of the AUS. Condition cleared. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 08/04/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 287653391222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/23/2022 | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete:Missing LOE's and source of funds for large deposits XXX #XXX $XXX. as required by LPA; Audit received LOE and source for XXX # XXX XX/XX/XXXX $XXX large deposit. LOE states Borrower wrote a check for $XXX and deposited into his XXX account. He then wrote a check #XXX and deposited it into his XXX account ending XXX on XX/XX/XXXX. The initial check for $XXX is not in the Borrower's name and is missing the account information on the bottom of the check. Source of $XXX does not match LOE received and cannot be accepted. <br>Audit removed XXX #XXX from assets. Balance was $XXX and lender did not submit docs for source of large deposits: XX/XX/XXXX $XXX. No additional docs needed for XXX #XXXX.; Audit reviewed lender's response and has determined the check mentioned in the processor cert borrower made out to himself is on page XXX of the loan file and bank statement and copy of check of $XXX borrower made to himself and deposited into his other account was provided by lender and confirms source of the large deposit in the amount of $XXX. Condition cleared. |  |  | The exception 'Asset Documents are Incomplete' is cleared. | 08/04/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 870517140888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) exceeds the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXXX |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) is not greater than the maximum allowable per AUS of XXXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) is not greater than the maximum allowable per AUS of XXXX | 06/09/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 870517140888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/24/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | Rental income verification is incomplete. File contains a XXX tax return for borrower's Schedule E properties and no current lease or evidence of receiving rental payments for both the subject property and the investment property at XXX XXX.; Audit reviewed lender's response and has determined the lease agreements and rental income meet AUS and Freddie Mac guidelines. Verification of the HA of XXX was found in file on the bank statements on pages XXX-XXX and LOE on page XXX verifying continued rent on REO property XXX XXX. Subject property rental income was calculated using the schedule E. Condition cleared.; Audit reviewed lender's response and has determined the month-to-month lease meets AUS and Freddie Mac requirements Lender indicated they will be providing proof of current payment from tenants to borrower. Audit will review proof of payments when provided. Condition XXX.; Lender provided the Single Family Comparable Rent Schedule for the subject property. Lease provided is expired. Please provide a current lease and amount the borrower is paid for rent from the borrower and HA of XXX. Condition maintained. |  |  | The borrower income verification does match approval | 06/17/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 870517140888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/25/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower Liabilities Verification Indicator is Partial |  |  | Condition fired in error. Borrower liabilities verified indicator is Present | 06/16/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 593087094855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/24/2022 | Cleared | 1276 | Property | Is Completion Certificate in file is No | The appraisal was completed "Subject To" however, the file is missing the Completion Certificate.; Cleared, received in conditions. ; EXCEPTION REMAINS: Lender provided processor cert with borrower photos of the appraisal repairs needed. Please provide a certificate of completion for the appraisal updates per agency guidelines. |  |  | The Completion Certificate is Yes | 07/26/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 593087094855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/24/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Exception is for informational purposes only. DD firm to order valuation.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 06/15/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 689766634654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 689766634654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/10/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/13/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 689766634654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/01/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Fema declared XXX county in a diaster area (hurricane) on XX/XX/XXXX, with an incident end date of XX/XX/XXXX. The appraisal in the file is dated XX/XX/XXXX and reflects no damage. This exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 06/10/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 754220145421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/13/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of XXX exceeds XXX% allowable variance. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 754220145421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. Desk review provided, value supported. Condition cleared. | 07/19/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| 754220145421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/01/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 754220145421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/01/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 07/13/2022 | Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 681464040429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/06/2021 | Cleared | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXXX.; Qualifying DTI of XXX exceeds guideline maximum of XXXX.; Qualifying DTI of XXX exceeds guideline maximum of XXXX. |  |  | Documentation provided to support Qualifying DTI below XXXX.; Documentation provided to support Qualifying DTI below XXXX. Guideline matrix allows DTI up to XXX% with X% reduction in LTV. LTV is XXX% , less XXX% LTV and eligible for DTI >XX% | 08/27/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 681464040429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/07/2021 | Cleared | -99953 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXX(a)(X) , transferred from XX CFR §XXX(a)(X)), Open-end (XX CFR §XXX(a)(X) , transferred from XX CFR §XXX(a)(X))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.; The final CD discloses the disbursement date as XX/XX/XXXX, same date on the RTC. |  |  | This loan passed the TILA right of rescission test.Closed-end (XX CFR §XXX(a)(X) , transferred from XX CFR §XXX(a)(X)), Open-end (XX CFR §XXX(a)(X) , transferred from XX CFR §XXX(a)(X))The funding date is not before the third business day following consummation.<br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last. | 12/20/2021 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 681464040429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/06/2021 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Final Loan Application is Partial; Final Loan application is compliant and complete with borrower signture. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.;<br> QC 2nd look: Located Final loan application | 10/10/2022 | Final Loan Application is Present; Final Loan application is compliant and complete with borrower signture. | 10/10/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 681464040429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/07/2021 | Cleared | -96288 | Compliance | Per Diem Interest Amount Test | Per Diem Interest Amount Test |  |  | This loan passed the per diem interest amount test. (XXX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX) does not exceed the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $X buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | 12/20/2021 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| 905331690616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/08/2021 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 11/08/2021 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 905331690616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/13/2021 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/13/2021 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 918814252225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Rebuttable Presumption | Closed | 11/14/2021 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 11/14/2021 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 918814252225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Rebuttable Presumption | Closed | 11/16/2021 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/16/2021 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 343513518429 | XXXXX | XXX |  | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/02/2021 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 11/02/2021 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 343513518429 | XXXXX | XXX |  | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/08/2021 | Cleared | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXXX.; Qualifying DTI of XXX exceeds guideline maximum of XXXX.; Qualifying DTI of XXX% exceeds guideline maximum of XXX%. There is a student loan with a $XXX balance that the lender did not include in the ratios. The Final XXX shows the liability, but no payment. ; XX/XX/XX; Received a copy of the same XXX already in file. This does not cure the DTI exception. |  |  | Documentation provided to support Qualifying DTI below XXXX.; Documentation provided to support Qualifying DTI below XXXX. | 08/26/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower XXX has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 752394833905 | XXXXX | XXX |  | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/04/2021 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 11/04/2021 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 752394833905 | XXXXX | XXX |  | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/04/2021 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/04/2021 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |

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## Exhibit 99.3

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Alternate Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Loan Status** | **Loan Type** | **Product Type** | **ARM Hybrid Period** | **IO Flag** | **IO Term** | **ARM Index** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower 1 SSN** | **Borrower 2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **Borrower 1 DOB** | **Borrower 2 DOB** | **Borrower 3 DOB** | **Borrower 4 DOB** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Borrower 1 Gender** | **Borrower 2 Gender** | **Borrower 3 Gender** | **Borrower 4 Gender** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 3 Race** | **Borrower 3 Race 2** | **Borrower 3 Race 3** | **Borrower 3 Race 4** | **Borrower 3 Race 5** | **Borrower 4 Race** | **Borrower 4 Race 2** | **Borrower 4 Race 3** | **Borrower 4 Race 4** | **Borrower 4 Race 5** | **Ethnicity Borrower 1** | **Ethnicity Borrower 2** | **Ethnicity Borrower 3** | **Ethnicity Borrower 4** | **Borrower 1 Self Employed** | **Borrower 2 Self Employed** | **Borrower 3 Self Employed** | **Borrower 4 Self Employed** | **DU LP Rating** | **Borrower 1 Credit Score Equifax** | **Borrower 1 Credit Score Trans Union** | **Borrower 1 Credit Score Experian** | **Borrower 2 Credit Score Equifax** | **Borrower 2 Credit Score Trans Union** | **Borrower 2 Credit Score Experian** | **Borrower 3 Credit Score Equifax** | **Borrower 3 Credit Score Trans Union** | **Borrower 3 Credit Score Experian** | **Borrower 4 Credit Score Equifax** | **Borrower 4 Credit Score Trans Union** | **Borrower 4 Credit Score Experian** | **Representative Decision FICO Score** | **Borrower 1 FICO Date** | **Borrower 2 FICO Date** | **Borrower 3 FICO Date** | **Borrower 4 FICO Date** | **Borrower 1 Total Income** | **Borrower 1 Wage Income** | **Borrower 1 Bonus Income** | **Borrower 1 Commission Income** | **Borrower 1 Other Income** | **Borrower 2 Total Income** | **Borrower 2 Wage Income** | **Borrower 2 Bonus Income** | **Borrower 2 Commission Income** | **Borrower 2 Other Income** | **Borrower 3 Total Income** | **Borrower 3 Wage Income** | **Borrower 3 Bonus Income** | **Borrower 3 Commission Income** | **Borrower 3 Other Income** | **Borrower 4 Total Income** | **Borrower 4 Wage Income** | **Borrower 4 Bonus Income** | **Borrower 4 Commission Income** | **Borrower 4 Other Income** | **All Borrower Total Income** | **ID1008 1003 Total Income** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Total Monthly Debt** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **Application Date** | **Note Date** | **Amortization Term** | **Original Balance** | **Appraisal Value** | **Sales Price** | **Original Rate** | **First Payment Date** | **Maturity Date** | **Original Term** | **Rate Adjustment Frequency** | **Payment Adjustment Frequency** | **Gross Margin** | **Initial Cap** | **Periodic Cap** | **Life Cap** | **Max Rate Ceiling** | **Min Rate Floor** | **Rounding Factor** | **Convertible Flag** | **Lookback Days** | **Prepayment Penalty Flag** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Occupancy** | **Property Type** | **Units** | **Loan Purpose** | **Cash Purpose** | **HMDA Loan Purpose** | **R /T Refi Initiated** | **Percentage Down Pymnt From Borrower Own Fund** | **Cashout Refi Purpose** | **Total Cash Out Amount** | **Cash To Borrow At Closing** | **Documentation Type** | **Senior Balance** | **Junior Balances** | **Value For LTV** | **Original LTV** | **Original CLTV** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Appraisal Type** | **Appraisal Date** | **Front HTI Ratio** | **Back DTI Ratio** | **Qualification Rate** | **Current Rate** | **Liquid Assets** | **Total Assets** | **Reserves** | **Lien** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **S&P Doc Type Code** | **Moodys Doc Type Code** | **Funding Date** | **APR** | **HOEPA High Cost Testing** | **Points In Dollars** | **Points In Percentage** | **Loan Originator NMLSR ID** | **NMLS Loan Officer Number** | **Total Origination and Discount Points** | **Total Loan Cost** | **Origination Charges** | **Lender Credit** | **Total Loan Points and Fees** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Years In Home** | **Loan Impounded** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Channel** | **Discount Fee** | **Number Of Financed Properties** | **Number Of Tradelines** | **Max Tradeline** | **Longest Tradeline Months** | **Credit Line Usage Ratio** | **Borrower 1 Income Verification Level** | **Borrower 2 Income Verification Level** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 1 Employment Verification Level** | **Borrower 2 Employment Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification Level** | **Borrower 1 Asset Verification Level** | **Borrower 2 Asset Verification Level** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Qualification Method** | **High Cost Loan Indicator** | **Relocation Loan Indicator** | **Interest Type Indicator** | **ARM Assumable Flag** | **Min Number** | **Silent Second Lien Flag** | **Second Lien Amount** | **Total Closing Cost** | **Subject Rental Income** | **DSCR** |
| 617818779966 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 916000 | 80 | 80 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 849456682214 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | No | No | No |  | XXX | XXX | XXX |  | XXX |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | No | No | No |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 790000 | 90 | 90 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  | Level 1 - Not stated/not verified | Level 1 - Not stated/not verified | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 227987536214 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Approve/Ineligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 830000 | 90 | 90 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 989831081705 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Approve/Ineligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 1297327 | 90 | 90 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 503387637323 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Approve/Ineligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX |  | Cash Out Limited | XXX | XXX | FULL |  |  | 985000 | 81.37 | 81.37 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 482408100276 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Approve/Ineligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 1150000 | 80 | 80 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 519278584858 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Yes | No |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 930000 | 75 | 75 |  | No |  |  | Not Applicable | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Greater of Percentage or Dollar Amount | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 1 - Not Stated/Not Verified |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 1 - Not stated/not verified |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 228020169523 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Approve/Ineligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 837000 | 80 | 80 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 317770905375 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 1350000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 1 - Not Stated/Not Verified |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 1 - Not stated/not verified |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 710297647347 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No | No |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 850000 | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 |  |  |  |  |  | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 948201594494 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Approve/Ineligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 755000 | 90 | 90 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 3 – Stated/partially verified |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 220267400708 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 1800000 | 69.44 | 69.44 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 989924564357 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 1275000 | 80 | 80 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Not Applicable | XXX | Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 953444104577 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  |  | No | No | No |  | XXX | XXX | XXX |  | XXX |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | No | No | No |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 1500000 | 74.13 | 74.13 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 1 - Not Stated/Not Verified |  | Level 3 - Verified-direct independent verif w/3rd party | Level 2 - Stated/not verified | Level 1 - Not stated/not verified |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 476934812861 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Yes | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Yes | No |  |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 2650000 | 77.36 | 77.36 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 164733672430 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 910000 | 80 | 80 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 271278916140 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 1225000 | 85 | 85 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 1 - Not stated/not verified | Level 1 - Not stated/not verified |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 289520454947 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Approve/Ineligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 911500 | 79.65 | 79.65 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 984878832060 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 1325000 | 85 | 85 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk |  | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 678610171030 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 153000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 698458599581 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 255000 | 70 | 70 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 609959308109 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 270000 | 70 | 70 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 1 - Not Stated/Not Verified | Level 3 – Stated/Partially Verified |  |  | Level 1 - Not stated/not verified | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 555472121574 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 270000 | 70 | 70 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 1 - Not Stated/Not Verified | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 1 - Not stated/not verified | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 3 – Stated/partially verified | Level 3 – Stated/partially verified |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 888175597787 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 280000 | 70 | 70 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 1 - Not stated/not verified | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 3 – Stated/partially verified | Level 1 - Not stated/not verified |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 392318137914 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 215000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 744989814297 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 265000 | 67.52 | 67.52 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 594580424289 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 257000 | 52.53 | 52.53 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 4 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 3 – Stated/Partially Verified | Level 3 – Stated/Partially Verified |  |  | Level 1 - Not stated/not verified | Level 1 - Not stated/not verified |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 731686643900 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Debt Consolidation | XXX | XXX | FULL |  |  | 300000 | 69.67 | 69.67 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 1 - Not stated/not verified |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 337732727683 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 245000 | 75 | 75 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 357838176155 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other |  | XXX | FULL |  |  | 135000 | 60 | 60 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 150059871878 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 356010 | 74.79 | 74.79 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 808385544233 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | Not Applicable |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 185000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 158678750403 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 500000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 510598921388 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 135000 | 75 | 75 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 282763695775 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 354900 | 80 | 80 |  | No |  |  | Not Applicable |  |  | 0 |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 759287834872 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Eligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 73500 | 80 | 80 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 853444156434 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Approve/Eligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 126000 | 71.43 | 71.43 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 288165543028 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 347900 | 75 | 75 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 383968472863 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 167000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 948775396482 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Eligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 287000 | 80 | 80 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 3 – Stated/Partially Verified | Level 3 – Stated/Partially Verified |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 374277055020 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 63000 | 75 | 75 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 717580418504 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Approve/Eligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 170000 | 73.53 | 73.53 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 4.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 1 - Not stated/not verified |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 671652380174 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 360900 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | Not Applicable |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 640225690033 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 84340 | 75.01 | 75.01 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 941866342876 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 292000 | 68.07 | 68.07 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 549779630163 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 200000 | 70 | 70 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | No | Not Applicable | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail |  | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 565417410280 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 590000 | 66.61 | 66.61 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 421139023392 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 358000 | 70 | 70 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 910935971769 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 370000 | 75 | 75 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 1 - Not Stated/Not Verified | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 1 - Not stated/not verified | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 798501818381 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 310000 | 75 | 75 |  | No |  |  | Present | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 3.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 977372213703 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Approve/Eligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 235000 | 80 | 80 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 378603874504 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Debt Consolidation | XXX | XXX | FULL |  |  | 839000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 487896126390 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 212000 | 70 | 70 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 703060882758 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 228000 | 69.69 | 69.69 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 3 – Stated/partially verified |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 179729426416 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 243000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 2 - Stated/not verified |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 287653391222 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL | 0.00 |  | 85000 | 75 | 75 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 870517140888 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 725000 | 60 | 60 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 1 - Not stated/not verified |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 443923961720 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 445000 | 69.66 | 69.66 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 3.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 593087094855 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Eligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 350000 | 75 | 75 |  | No |  |  | Not Applicable |  |  | XXX |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 1 - Not stated/not verified |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 689766634654 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 160000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 2.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Bulk | XXX | XXX | XXX | XXX | XXX | XXX | Level 3 – Stated/Partially Verified |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 927627337785 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Accept | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 340000 | 80 | 80 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 545927237028 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 530000 | 41.51 | 41.51 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 2.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 754220145421 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Accept | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 305000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 244248913645 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 820000 | 90 | 90 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Lesser of Percentage or Dollar Amount | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 345917776074 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | Yes | Yes |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Ineligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 1350000 | 90 | 90 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX |  |  |  | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 1 - Not Stated/Not Verified |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 1 - Not stated/not verified |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 343513518429 | XXXXX |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | Yes |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 925000 | 78.74 | 78.74 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 681464040429 | XXXXX |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  | XXX | FULL |  |  | 0 | 65.83 | 65.83 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 918814252225 | XXXXX |  |  | QM: Rebuttable Presumption | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Yes | Yes |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 1927500 | 80 | 80 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 905331690616 | XXXXX |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Debt Consolidation | XXX | XXX | FULL |  |  | 1475000 | 64.75 | 64.75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Retail | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 752394833905 | XXXXX |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Debt Consolidation | XXX | XXX | FULL |  |  | 1020000 | 72.06 | 72.06 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Broker | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 550540196542 | XXXXX |  |  | Non-QM: Lender documented all ATR UW factors | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  | Approve/Eligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | BANK STATEMENT |  |  | 486000 | 70 | 70 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 3 – Stated/Partially Verified |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 499645278568 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 715000 | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 3 – Stated/Partially Verified |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 3 – Stated/partially verified |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 192675832778 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Yes | No |  |  | Approve/Eligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 359000 | 70 | 70 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | Not Applicable |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 4 – Stated/Prior year W2 or Tax Return and YTD paystubs/SE borrower 2 yrs Tax Returns | Level 1 - Not Stated/Not Verified |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 1 - Not stated/not verified |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 1 - Not stated/not verified |  |  | Start Rate | Not Applicable | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 685074939229 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Eligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 380215 | 79.95 | 79.95 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 495127351815 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Approve/Eligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 1250000 | 32 | 32 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | Not Applicable |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 3 – Stated/partially verified |  |  |  | Start Rate | Not Applicable | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 717071531833 | XXXXX |  |  | ATR/QM: Exempt |  | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Eligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX |  | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  | Cash Out Other | XXX | XXX | FULL |  |  | 950000 | 47.37 | 47.37 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 1 - Not Stated/Not Verified |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 1 - Not stated/not verified |  |  | Level 3 – Stated/partially verified | Level 3 – Stated/partially verified |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 906504771232 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  | Approve/Eligible | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 295000 | 80 | 80 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | 6/21/2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | No Escrows | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 3 - Verified-direct independent verif w/3rd party | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX | XXX |  |
| 106038042930 | XXXXX |  |  | Safe Harbor QM (APOR) | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FHLMC |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | No | No |  |  | XXX | XXX |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | No | No |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL | XXX | XXX | 1150000 | 56.28 | 77.95 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | 6/13/2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 1 - Not Stated/Not Verified | Level 5 – Stated/24 mos verified/SE borrower 2 yrs Tax Returns and CPA cert of returns |  |  | Level 1 - Not stated/not verified | Level 3 - Verified-direct independent verif w/3rd party |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |
| 702059457123 | XXXXX |  |  | ATR/QM: Exempt | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed FNMA |  | No |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | No |  |  |  | Approve/Eligible | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  | XXX | FULL |  |  | 530000 | 70 | 70 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | XXX | 4/19/2021 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | 5.000 |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Present | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | Correspondent Flow without delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 3 – Stated/Partially Verified |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  | XXX |  |  |

---

## Exhibit 99.4

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 617818779966 |  | XXXXX | $XXXXXX A |
| 849456682214 |  | XXXXX | $XXXXXX D C A |
| 227987536214 |  | XXXXX | $XXXXXX A B C |
| 989831081705 |  | XXXXX | $XXXXXX A C |
| 503387637323 |  | XXXXX | $XXXXXX C A |
| 482408100276 |  | XXXXX | $XXXXXX A C |
| 519278584858 |  | XXXXX | $XXXXXX A C |
| 228020169523 |  | XXXXX | $XXXXXX C A |
| 317770905375 |  | XXXXX | $XXXXXX A |
| 710297647347 |  | XXXXX | $XXXXXX C A |
| 948201594494 |  | XXXXX | $XXXXXX A |
| 220267400708 |  | XXXXX | $XXXXXX A |
| 989924564357 |  | XXXXX | $XXXXXX C A |
| 953444104577 |  | XXXXX | $XXXXXX C A |
| 476934812861 |  | XXXXX | $XXXXXX C A |
| 164733672430 |  | XXXXX | $XXXXXX A |
| 271278916140 |  | XXXXX | $XXXXXX A |
| 289520454947 |  | XXXXX | $XXXXXX A |
| 984878832060 |  | XXXXX | $XXXXXX A |
| 678610171030 |  | XXXXX | $XXXXXX D C A |
| 698458599581 |  | XXXXX | $XXXXXX A D |
| 609959308109 |  | XXXXX | $XXXXXX D C A |
| 555472121574 |  | XXXXX | $XXXXXX C D A B |
| 888175597787 |  | XXXXX | $XXXXXX A D |
| 392318137914 |  | XXXXX | $XXXXXX D C A |
| 744989814297 |  | XXXXX | $XXXXXX A C D |
| 594580424289 |  | XXXXX | $XXXXXX A |
| 731686643900 |  | XXXXX | $XXXXXX A C D |
| 337732727683 |  | XXXXX | $XXXXXX C A |
| 357838176155 |  | XXXXX | $XXXXXX A D |
| 150059871878 |  | XXXXX | $XXXXXX C A |
| 808385544233 |  | XXXXX | $XXXXXX A D |
| 158678750403 |  | XXXXX | $XXXXXX A C |
| 510598921388 |  | XXXXX | $XXXXXX D C A |
| 282763695775 |  | XXXXX | $XXXXXX A D |
| 759287834872 |  | XXXXX | $XXXXXX D C A |
| 853444156434 |  | XXXXX | $XXXXXX C A D |
| 288165543028 |  | XXXXX | $XXXXXX A D |
| 383968472863 |  | XXXXX | $XXXXXX D A |
| 948775396482 |  | XXXXX | $XXXXXX C A D |
| 374277055020 |  | XXXXX | $XXXXXX C D A |
| 717580418504 |  | XXXXX | $XXXXXX D C A |
| 671652380174 |  | XXXXX | $XXXXXX D C A |
| 640225690033 |  | XXXXX | $XXXXXX C A D |
| 941866342876 |  | XXXXX | $XXXXXX D C A |
| 549779630163 |  | XXXXX | $XXXXXX D C A |
| 565417410280 |  | XXXXX | $XXXXXX C A |
| 421139023392 |  | XXXXX | $XXXXXX D C A |
| 910935971769 |  | XXXXX | $XXXXXX C A D B |
| 798501818381 |  | XXXXX | $XXXXXX A |
| 977372213703 |  | XXXXX | $XXXXXX A D |
| 378603874504 |  | XXXXX | $XXXXXX D C A |
| 487896126390 |  | XXXXX | $XXXXXX C A |
| 703060882758 |  | XXXXX | $XXXXXX D C A |
| 179729426416 |  | XXXXX | $XXXXXX C A |
| 287653391222 |  | XXXXX | $XXXXXX C A |
| 870517140888 |  | XXXXX | $XXXXXX D C A |
| 443923961720 |  | XXXXX | $XXXXXX A D |
| 593087094855 |  | XXXXX | $XXXXXX A D |
| 689766634654 |  | XXXXX | $XXXXXX C A D |
| 927627337785 |  | XXXXX | $XXXXXX A |
| 545927237028 |  | XXXXX | $XXXXXX A C D |
| 754220145421 |  | XXXXX | $XXXXXX A D |
| 244248913645 |  | XXXXX | $XXXXXX D C A |
| 345917776074 |  | XXXXX | $XXXXXX C A |
| 343513518429 |  | XXXXX | $XXXXXX C A |
| 681464040429 |  | XXXXX | $XXXXXX D C A |
| 918814252225 |  | XXXXX | $XXXXXX A |
| 905331690616 |  | XXXXX | $XXXXXX A |
| 752394833905 |  | XXXXX | $XXXXXX A |
| 550540196542 |  | XXXXX | $XXXXXX A C |
| 499645278568 |  | XXXXX | $XXXXXX C A |
| 192675832778 |  | XXXXX | $XXXXXX D A |
| 685074939229 |  | XXXXX | $XXXXXX D C A |
| 495127351815 |  | XXXXX | $XXXXXX D A C |
| 717071531833 |  | XXXXX | $XXXXXX C A D B |
| 906504771232 |  | XXXXX | $XXXXXX D C A |
| 106038042930 |  | XXXXX | $XXXXXX C A |
| 702059457123 |  | XXXXX | $XXXXXX D A |

---

## Exhibit 99.5

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 617818779966 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 01/25/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 849456682214 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 12/27/2021 | $XXX | XXXXX | XXX | 4.97% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 227987536214 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 12/10/2021 | $XXX | XXXXX | XXX | -4.58% | 03/16/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 989831081705 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 11/12/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 503387637323 |  | XXXXX | $XXXXXX | $XXX | $XXX | 81.37% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 09/27/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09/24/2021 | $XXX | $XXXXX | 19.29% |  |  |  |  |  | 1 | Eligible |
| 482408100276 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 12/16/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 519278584858 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | Form 1073 |  |  |  |  |  | XXXXX |  |  | 11/22/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 228020169523 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 11/30/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 317770905375 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 01/13/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 710297647347 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 11/20/2021 | $XXX | XXXXX | XXX | -1.52% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 948201594494 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 12/13/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 220267400708 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.44% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 12/10/2021 | $XXX | XXXXX | XXX | 5.28% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 989924564357 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 01/04/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 953444104577 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.13% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 01/05/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Eligible |
| 476934812861 |  | XXXXX | $XXXXXX | $XXX | $XXX | 77.36% | XXXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  | XXXXX |  |  | 03/16/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 164733672430 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 01/07/2022 | $XXX | XXXXX | XXX | -5.99% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 271278916140 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 01/04/2022 | $XXX | XXXXX | XXX | 1.06% | 03/16/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Eligible |
| 289520454947 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.65% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 01/10/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 984878832060 |  | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 01/25/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 678610171030 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 07/27/2022 | $XXX | XXXXX | XXX | 9.76% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 698458599581 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | Form 1025 |  |  |  |  |  | XXXXX |  |  | 07/15/2022 | $XXX | XXXXX | -7.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 609959308109 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | Form 1025 |  |  |  |  |  | XXXXX |  |  | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 555472121574 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | Form 1025 |  |  |  |  |  | XXXXX |  |  | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 888175597787 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | Form 1025 |  |  |  | 07/27/2022 | $XXX | XXXXX | XXX | -4.78% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 392318137914 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 05/20/2022 | $XXX | XXXXX | XXX | 20.93% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 744989814297 |  | XXXXX | $XXXXXX | $XXX | $XXX | 67.52% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 05/25/2022 | $XXX | XXXXX | XXX | -32.83% | 07/13/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 594580424289 |  | XXXXX | $XXXXXX | $XXX | $XXX | 52.53% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 731686643900 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.67% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 05/30/2022 | $XXX | XXXXX | XXX | 27% | 07/15/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 337732727683 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 357838176155 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XXXXX | $XXX | Form 1073 |  |  |  | 05/28/2022 | $XXX | XXXXX | XXX | -2.22% | 07/15/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 150059871878 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.79% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 808385544233 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 05/25/2022 | $XXX | XXXXX | XXX | -7.03% | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 158678750403 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 510598921388 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 282763695775 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 759287834872 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 06/09/2022 | $XXX | XXXXX | XXX | -6.25% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 853444156434 |  | XXXXX | $XXXXXX | $XXX | $XXX | 71.43% | XXXXX | $XXX | Form 1025 |  |  |  | 06/09/2022 | $XXX | XXXXX | XXX | -23.75% | 07/28/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 288165543028 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 383968472863 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 948775396482 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | Form 1073 |  |  |  |  |  | XXXXX |  |  | 07/13/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 374277055020 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 06/09/2022 | $XXX | XXXXX | XXX | -26.98% | 06/15/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 717580418504 |  | XXXXX | $XXXXXX | $XXX | $XXX | 73.53% | XXXXX | $XXX | Form 1025 |  |  |  | 06/09/2022 | $XXX | XXXXX | XXX | -21.82% | 07/28/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 671652380174 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 640225690033 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.01% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 05/13/2022 | $XXX | XXXXX | XXX | -1.18% | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 941866342876 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.07% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 549779630163 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 565417410280 |  | XXXXX | $XXXXXX | $XXX | $XXX | 66.61% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 421139023392 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | Form 1073 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 910935971769 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | Form 1073 |  |  |  |  |  | XXXXX |  |  | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 798501818381 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | Form 1073 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 977372213703 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | Form 1073 |  |  |  | 05/28/2022 | $XXX | XXXXX | XXX | -21.9% | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 378603874504 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 487896126390 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 703060882758 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.69% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 179729426416 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 287653391222 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | Form 1073 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 870517140888 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 443923961720 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.66% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 05/21/2022 | $XXX | XXXXX | XXX | 4.72% | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 593087094855 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | Form 1025 |  |  |  | 06/09/2022 | $XXX | XXXXX | XXX | 1.43% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 689766634654 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | Form 1025 |  |  |  | 05/19/2022 | $XXX | XXXXX | XXX | 0.63% | 07/13/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 927627337785 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 545927237028 |  | XXXXX | $XXXXXX | $XXX | $XXX | 41.51% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 05/15/2022 | $XXX | XXXXX | XXX | 0.94% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 754220145421 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 05/21/2022 | $XXX | XXXXX | XXX | 12.13% | 07/14/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 244248913645 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 01/19/2022 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 345917776074 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 01/07/2022 | $XXX | XXXXX | XXX | -0.49% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 343513518429 |  | XXXXX | $XXXXXX | $XXX | $XXX | 78.74% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 09/29/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 681464040429 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65.83% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 09/11/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 918814252225 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  | XXXXX |  |  | 10/27/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 905331690616 |  | XXXXX | $XXXXXX | $XXX | $XXX | 64.75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 10/18/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 752394833905 |  | XXXXX | $XXXXXX | $XXX | $XXX | 72.06% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  | 08/04/2021 | $XXX | XXXXX | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 550540196542 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 499645278568 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Not Eligible |
| 192675832778 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 685074939229 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.95% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 495127351815 |  | XXXXX | $XXXXXX | $XXX | $XXX | 32% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 06/03/2022 | $XXX | XXXXX | XXX | 3.2% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 717071531833 |  | XXXXX | $XXXXXX | $XXX | $XXX | 47.37% | XXXXX | $XXX | No Appraisal or Stated Value |  |  |  | 07/08/2022 | $XXX | XXXXX | XXX | -2.95% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 906504771232 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 106038042930 |  | XXXXX | $XXXXXX | $XXX | $XXX | 56.28% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XXXXX |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 702059457123 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XXXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | 08/30/2021 | $XXX | XXXXX | XXX | -2.91% |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |

---

## Exhibit 99.6

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.6**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Account Number** | **Alternate Loan Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 678610171030 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 678610171030 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 678610171030 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 678610171030 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 678610171030 | XXXXX | Property_Type | PUD | Townhouse (Do not report as PUD) | FALSE |
| 698458599581 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 698458599581 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 698458599581 | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 698458599581 | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 698458599581 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 609959308109 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 609959308109 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 609959308109 | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 609959308109 | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 609959308109 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 555472121574 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 555472121574 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 555472121574 | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 555472121574 | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 555472121574 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 888175597787 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 888175597787 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 888175597787 | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 888175597787 | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 888175597787 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 392318137914 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 744989814297 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 594580424289 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 594580424289 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 594580424289 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 731686643900 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 337732727683 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 337732727683 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 337732727683 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 357838176155 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 150059871878 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 150059871878 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 150059871878 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 808385544233 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 158678750403 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 510598921388 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 510598921388 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 510598921388 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 282763695775 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 759287834872 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 759287834872 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 759287834872 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 853444156434 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 853444156434 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 853444156434 | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 853444156434 | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 853444156434 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 853444156434 | XXXXX | Sales_Price | XXX | XXX | FALSE |
| 288165543028 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 288165543028 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 288165543028 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 383968472863 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 383968472863 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 383968472863 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 383968472863 | XXXXX | Property_City | XXX | XXX | FALSE |
| 383968472863 | XXXXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 948775396482 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 948775396482 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 948775396482 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 374277055020 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 374277055020 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 374277055020 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 374277055020 | XXXXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 717580418504 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 717580418504 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 717580418504 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 671652380174 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 671652380174 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 640225690033 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 941866342876 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 941866342876 | XXXXX | First_Payment_Date_of_Loan | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 941866342876 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 941866342876 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 549779630163 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 549779630163 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 549779630163 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 565417410280 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 565417410280 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 565417410280 | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 565417410280 | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 565417410280 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 421139023392 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 421139023392 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 421139023392 | XXXXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 421139023392 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 910935971769 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 910935971769 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 910935971769 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 798501818381 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 798501818381 | XXXXX | Escrow_Indicator | N | Taxes and Insurance | FALSE |
| 798501818381 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 798501818381 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 977372213703 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 977372213703 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 977372213703 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 378603874504 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 487896126390 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 703060882758 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 703060882758 | XXXXX | UW_FICO_Utilized | XXX | XXX | FALSE |
| 179729426416 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 287653391222 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 287653391222 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 287653391222 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 870517140888 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 870517140888 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 870517140888 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 443923961720 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 593087094855 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 593087094855 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 593087094855 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 689766634654 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 689766634654 | XXXXX | Escrow_Indicator | Y | No Escrows | FALSE |
| 689766634654 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 689766634654 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 927627337785 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 927627337785 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 927627337785 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 545927237028 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 754220145421 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 754220145421 | XXXXX | Maturity_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 754220145421 | XXXXX | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 343513518429 | XXXXX | Liquid_Cash_Reserves | XXX | XXX | FALSE |
| 681464040429 | XXXXX | All_Borrower_Total_Income | XXX | XXX | FALSE |
| 681464040429 | XXXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 681464040429 | XXXXX | Liquid_Cash_Reserves | XXX | XXX | FALSE |
| 918814252225 | XXXXX | Borrower_First_Time_Buyer | N | Yes | FALSE |
| 918814252225 | XXXXX | Liquid_Cash_Reserves | XXX | XXX | FALSE |
| 918814252225 | XXXXX | Months_Reserves | XXX | XXX | FALSE |
| 905331690616 | XXXXX | Liquid_Cash_Reserves | XXX | XXX | FALSE |
| 905331690616 | XXXXX | Months_Reserves | XXX | XXX | FALSE |
| 752394833905 | XXXXX | Months_Reserves | XXX | XXX | FALSE |

---

## Exhibit 99.7

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage III LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from October 2021 through August 2022 on mortgage loans with origination dates from February 2021 through August 2022 via files imaged and provided by the Client for review. The Review included loans reviewed under the Credit and Compliance Scope (213 mortgage loans) and the Business Purpose Scope (3 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Business Purpose Scope) are together referred to as the Loans.

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

The initial population consisted of 230 loans. During the course of the securitization evaluation process, the Client may have removed or added loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review contained 216 loans totaling an aggregate original principal balance of approximately $168.982 million.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

**(4) Quality or integrity of information or data about the assets: review and methodology.** AMC compared data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Index Value | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Rounding Method |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original PITI | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;Zip |

---

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

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

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

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

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

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

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

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

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

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

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

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

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

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![](ex997001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

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![](ex997001.jpg)

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

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

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

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

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

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

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![](ex997001.jpg)

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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![](ex997001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

For the loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. The results of the variance analysis is reflected in the reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

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**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, the grading results are as follows:

(Please note there are 3 "Leases" loans that did not receive a compliance review or grade.)

**Fitch Ratings, Inc:**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Loan Grades (# Loans)** | &nbsp;&nbsp;**Fitch Loan Grades (# Loans)** | &nbsp;&nbsp;**Fitch Loan Grades (# Loans)** | &nbsp;&nbsp;**Fitch Loan Grades (# Loans)** | &nbsp;&nbsp;**Fitch Loan Grades (# Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;196 | &nbsp;&nbsp;109 | &nbsp;&nbsp;207 | &nbsp;&nbsp;101 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;104 | &nbsp;&nbsp;7 | &nbsp;&nbsp;113 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**213** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**216** |
| &nbsp;&nbsp;**Fitch Loan Grades (% Loans)** | &nbsp;&nbsp;**Fitch Loan Grades (% Loans)** | &nbsp;&nbsp;**Fitch Loan Grades (% Loans)** | &nbsp;&nbsp;**Fitch Loan Grades (% Loans)** | &nbsp;&nbsp;**Fitch Loan Grades (% Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;90.74% | &nbsp;&nbsp;51.17% | &nbsp;&nbsp;95.83% | &nbsp;&nbsp;46.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9.26% | &nbsp;&nbsp;48.83% | &nbsp;&nbsp;3.24% | &nbsp;&nbsp;52.31% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**DBRS, Inc:**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (# Loans)** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (# Loans)** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (# Loans)** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (# Loans)** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (# Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;196 | &nbsp;&nbsp;118 | &nbsp;&nbsp;207 | &nbsp;&nbsp;110 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;95 | &nbsp;&nbsp;7 | &nbsp;&nbsp;104 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**213** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**216** |
| &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (% Loans)** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (% Loans)** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (% Loans)** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (% Loans)** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades (% Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;90.74% | &nbsp;&nbsp;55.40% | &nbsp;&nbsp;95.83% | &nbsp;&nbsp;50.93% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9.26% | &nbsp;&nbsp;44.60% | &nbsp;&nbsp;3.24% | &nbsp;&nbsp;48.15% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.93% | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY** 

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***190*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**190** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;D | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Property Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**224** |

---

13 \| P a g e

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***174*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**174** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***25*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**208** |

---

14 \| P a g e

![](ex997001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 216 Loans reviewed, 143 unique Loans had 389 different tape discrepancies across 36 data fields (some Loans had more than one data delta). The largest variances were found in the Original P&I, Maturity Date and Investor: Qualifying Total Debt Ratio fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;67 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;71 | &nbsp;&nbsp;4.23% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;167 | &nbsp;&nbsp;3.59% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;167 | &nbsp;&nbsp;4.79% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;47 | &nbsp;&nbsp;4.26% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;4 | &nbsp;&nbsp;137 | &nbsp;&nbsp;2.92% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;216 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Index Value | &nbsp;&nbsp;11 | &nbsp;&nbsp;16 | &nbsp;&nbsp;68.75% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;10 | &nbsp;&nbsp;16 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;10 | &nbsp;&nbsp;16 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;10 | &nbsp;&nbsp;16 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;11 | &nbsp;&nbsp;16 | &nbsp;&nbsp;68.75% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;43 | &nbsp;&nbsp;212 | &nbsp;&nbsp;20.28% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;152 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;145 | &nbsp;&nbsp;2.76% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;10 | &nbsp;&nbsp;16 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;55 | &nbsp;&nbsp;216 | &nbsp;&nbsp;25.46% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;19 | &nbsp;&nbsp;25 | &nbsp;&nbsp;76.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;215 | &nbsp;&nbsp;5.58% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;214 | &nbsp;&nbsp;1.87% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;216 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;216 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;215 | &nbsp;&nbsp;1.86% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;59 | &nbsp;&nbsp;205 | &nbsp;&nbsp;28.78% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original PITI | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;147 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;26 | &nbsp;&nbsp;191 | &nbsp;&nbsp;13.61% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;25 | &nbsp;&nbsp;216 | &nbsp;&nbsp;11.57% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;41 | &nbsp;&nbsp;9.76% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;191 | &nbsp;&nbsp;2.09% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;10 | &nbsp;&nbsp;16 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;10 | &nbsp;&nbsp;14 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;216 | &nbsp;&nbsp;0.93% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**389** | &nbsp;&nbsp;**5391** | &nbsp;&nbsp;**7.22%** | &nbsp;&nbsp;**216** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;208 | &nbsp;&nbsp;96.30% | &nbsp;&nbsp;$160935990.00 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;$8046500.00 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168982490.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;216 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$168982490.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168982490.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.93% | &nbsp;&nbsp;$1912000.00 | &nbsp;&nbsp;1.13% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;55 | &nbsp;&nbsp;25.46% | &nbsp;&nbsp;$43901770.00 | &nbsp;&nbsp;25.98% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$957000.00 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;45 | &nbsp;&nbsp;20.83% | &nbsp;&nbsp;$32126616.00 | &nbsp;&nbsp;19.01% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;86 | &nbsp;&nbsp;39.81% | &nbsp;&nbsp;$69716794.00 | &nbsp;&nbsp;41.26% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;27 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$20368310.00 | &nbsp;&nbsp;12.05% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168982490.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

![](ex997001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;$2832700.00 | &nbsp;&nbsp;1.68% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;212 | &nbsp;&nbsp;98.15% | &nbsp;&nbsp;$166149790.00 | &nbsp;&nbsp;98.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168982490.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;130 | &nbsp;&nbsp;60.19% | &nbsp;&nbsp;$103065533.00 | &nbsp;&nbsp;60.99% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;$4748450.00 | &nbsp;&nbsp;2.81% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$1104000.00 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;55 | &nbsp;&nbsp;25.46% | &nbsp;&nbsp;$45474874.00 | &nbsp;&nbsp;26.91% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;$2947233.00 | &nbsp;&nbsp;1.74% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.09% | &nbsp;&nbsp;$9366000.00 | &nbsp;&nbsp;5.54% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;$1638000.00 | &nbsp;&nbsp;0.97% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$638400.00 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168982490.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;171 | &nbsp;&nbsp;79.17% | &nbsp;&nbsp;$144282426.00 | &nbsp;&nbsp;85.38% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;28 | &nbsp;&nbsp;12.96% | &nbsp;&nbsp;$13372071.00 | &nbsp;&nbsp;7.91% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;17 | &nbsp;&nbsp;7.87% | &nbsp;&nbsp;$11327993.00 | &nbsp;&nbsp;6.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168982490.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;213 | &nbsp;&nbsp;98.61% | &nbsp;&nbsp;$167594090.00 | &nbsp;&nbsp;99.18% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;$1388400.00 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**216** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168982490.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.8

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 843145560429 |  |  |  |  | C | C | A D | C D | A | B | A | B |  |
| 277874761383 |  |  |  |  | C | C | A D | C D | A | B | A | B |  |
| 849758994202 |  |  |  |  | C | C | A D | C D | A | B | A | B |  |
| 265204850581 |  |  |  |  | C | C | A | C | A | A | A | A |  |
| 476317880709 |  |  |  |  | C | B | D | D | A | A | A | A |  |
| 502268493361 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 311188826466 |  |  |  |  | C | C | A | C | A | B | A | B |  |
| 934762767007 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 928253116911 |  |  |  |  | C | B | D | D | A | B | A | B |  |
| 488796414945 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 587487946906 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 193778146811 |  |  |  |  | C | C | A | C | A | B | A | B |  |
| 329087758331 |  |  |  |  | C | C | A | C | A | B | A | B |  |
| 731816246013 |  |  |  |  | C | C | D | D | A | B | A | B |  |
| 584519509375 |  |  |  |  | C | B | A B | C | A | B | A B | B |  |
| 433320034375 |  |  |  |  | C | C | A D | C D | A | A | A | A |  |
| 573205990441 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
| 673195167976 |  |  |  |  | C | B | A | C | B | B | A | B |  |
| 490089455739 |  |  |  |  | A | B | B | B | A | B | B | B |  |
| 386380347522 |  |  |  |  | C | C | A | C | A | B | A | B |  |
| 789642857870 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
| 184689186464 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 196491491204 |  |  |  |  | C | A | D | D | A | A | A | A |  |
| 734274100643 |  |  |  |  | C | A | D | D | A | A | A | A |  |
| 500742244659 |  |  |  |  | C | C | A | C | A | B | A | B |  |
| 855641228100 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 973145509378 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 238869253768 |  |  |  |  | C | C | A | C | A | B | A | B |  |
| 941089491187 |  |  |  |  | C | A | A | C | B | A | A | B |  |
| 280442958703 |  |  |  |  | C | C | A | C | A | A B | A | A B |  |
| 576876031833 |  |  |  |  | C | A | A | C | A | A B | A | A B |  |
| 862018220171 |  |  |  |  | C |  | A | C | A |  | A | A |  |
| 566831941249 |  |  |  |  | C | C | D | D | A | B | A | B |  |
| 835007344681 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 356381476273 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 732420964096 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 706912749590 |  |  |  |  | C | C D | A | C D | A | B | A | B |  |
| 497267738773 |  |  |  |  | B | C | A | C | A | A | A | A |  |
| 634395085561 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 199777633406 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 391827102759 |  |  |  |  | D | C | A | D | A | A | A | A |  |
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| 194956207629 |  |  |  |  | A | B C | A | B C | A | A B | A | A B |  |

---

## Exhibit 99.9

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.9**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 843145560429 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  |  |  |  |  | Reviewer Comment (2021-10-27): Received, Clearing exception.<br>Seller Comment (2021-10-27): Please see attached. | 10/27/2021 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 843145560429 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Verification of Rent was not provided in the file. |  |  |  | Reviewer Comment (2021-10-29): Clearing after re-review.<br>Buyer Comment (2021-10-28): VOR is not required for this loan: per our guideline, when borrowers purchase a [redacted] , we do not require VOR for the property they will exit. The housing expense is no longer relevant. | 10/29/2021 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 843145560429 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | True |  |  |  | Reviewer Comment (2021-10-27): Cured on the CD.<br>Buyer Comment (2021-10-27): Hello, this is true but the cure was already applied on the initial CD through to the final. |  | 10/27/2021 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 843145560429 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | True |  |  |  | Reviewer Comment (2021-11-01): Removed due to Seller fees do not count .<br>Reviewer Comment (2021-10-27): Buyer has required the Seller Fees be included in the calculation. Exception will remain.<br>Buyer Comment (2021-10-27): Transfer taxes does not increase for the borrower. The difference being listed here is the amount added for the seller. | 11/01/2021 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 843145560429 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet [redacted]criteria.; Sec ID:[redacted] |  |  |  |  |  | Reviewer Comment (2022-05-02): CDA received, Clearing. | 05/02/2022 |  |  | 1 A D |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 843145560429 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Cure provided |  |  |  | Reviewer Comment (2022-01-21): Sufficient Cure Provided At Closing |  | 01/21/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 277874761383 |  |  |  |  |  |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2021-10-29): Received, Clearing exception.<br>Seller Comment (2021-10-29): OFAC uploaded | 10/29/2021 |  |  | 1 C A |  | MI | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 277874761383 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 277874761383 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Verified : Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2021-11-24): Clearing after re-review.<br>Buyer Comment (2021-11-24): Transfer Tax of [redacted] was for the seller. This finding includes the seller transfer taxes which should not be included in the calculation. | 11/24/2021 |  |  | 1 C A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 277874761383 |  |  |  |  |  |  | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: ___<br> QM qualifying DTI: ___ | DTI calculated based on Max Rate Five Year Periodic P&I |  |  |  | Reviewer Comment (2022-02-09): Loan is exempt from QM | 02/09/2022 |  |  | 1 B A |  | MI | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 277874761383 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-05-02): CDA received, Clearing. | 05/02/2022 |  |  | 1 A D |  | MI | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 849758994202 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. |  |  |  | Reviewer Comment (2021-11-19): Received, clearing.<br>Seller Comment (2021-11-19): PCI Report | 11/19/2021 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 849758994202 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  | COVID attestation missing |  |  |  | Reviewer Comment (2021-10-29): Received, clearing.<br>Seller Comment (2021-10-28): attached | 10/29/2021 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 849758994202 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Stocks verified less than [redacted] months - many transfers not sourced with large deposits and withdrawals not sufficiently sourced |  |  |  | Reviewer Comment (2021-11-02): Bank statement provided, exception cleared<br>Seller Comment (2021-11-01): assets associated with #[redacted] to cover [redacted]months period | 11/02/2021 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 849758994202 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of[redacted]exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Title - Service Charges Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-10-29): Received, clearing.<br>Buyer Comment (2021-10-28): According to TRID guidelines section [redacted](§ [redacted](e)(3)(iii)) , these charges may change without regard to a tolerance limitation. They are services permitted to the borrower to shop for and not same service listed on our SSPL that was initially disclosed. | 10/29/2021 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 849758994202 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [redacted] on LE but disclosed as [redacted] paid by the borrower at closing and [redacted] paid by the seller on Final Closing Disclosure. |  |  |  | Reviewer Comment (2021-10-29): Received, clearing. | 10/29/2021 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 849758994202 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-05-02): Replace with updated. | 05/02/2022 |  |  | 1 A D |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 849758994202 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-07-08): Accepted as is |  |  |  | 2 B |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 849758994202 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7[redacted] |  | CDA came back indeterminable. |  |  |  | Reviewer Comment (2022-08-26): [redacted]received supporting primary value<br>Reviewer Comment (2022-08-26): Reopened<br>Reviewer Comment (2022-07-08): Unable to resolve<br>Seller Comment (2022-05-06): Appraisal value is [redacted]; AVM is [redacted], which is within [redacted]% variance of the appraisal value. So it meets our requirement. | 08/26/2022 |  |  | 1 A |  | FL | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 265204850581 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final CD dated [redacted] .File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-11-01): Clearing.<br>Seller Comment (2021-11-01): Please see attached. I included two COCs after the last update to [redacted] showing the change between the gaps that seem to be missing. Please re-review and thank you. | 11/01/2021 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| 265204850581 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2021-10-19): Not required by guides | 10/19/2021 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 476317880709 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  | Verified Covid-19 Attestation is missing |  |  |  | Reviewer Comment (2021-11-01): Received, Clearing.<br>Seller Comment (2021-11-01): Attached | 11/01/2021 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | D A C B | Exempt from ATR | Exempt from ATR | No |
| 476317880709 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Verified date on appraisal |  |  |  | Reviewer Comment (2021-11-19): Provided with trailing documents.<br>Seller Comment (2021-11-19): PCI Report | 11/19/2021 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | D A C B | Exempt from ATR | Exempt from ATR | No |
| 476317880709 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Verified missing secondary valuation |  |  |  | Reviewer Comment (2021-11-03): Clearing after re-review.<br>Seller Comment (2021-11-02): The loan amount is over [redacted] which requires two appraisals. we used the lower one as the determined value for this loan | 11/03/2021 |  |  | 1 D A |  | NY | Primary | Refinance - Rate/Term | D A C B | Exempt from ATR | Exempt from ATR | No |
| 476317880709 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-11-03): Clearing after re-review. | 11/03/2021 |  |  | 1 D A |  | NY | Primary | Refinance - Rate/Term | D A C B | Exempt from ATR | Exempt from ATR | No |
| 476317880709 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | Effective date of appraisal is [redacted] and is good through [redacted] |  |  |  | Reviewer Comment (2021-11-01): Received, Clearing.<br>Buyer Comment (2021-11-01): Both the appraisal report and effective date of appraisal was in [redacted], and the license expires in [redacted]. It was effective at the time. | 11/01/2021 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | D A C B | Exempt from ATR | Exempt from ATR | No |
| 476317880709 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]% or[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-10-15): Sufficient Cure Provided At Closing |  | 10/15/2021 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Exempt from ATR | Exempt from ATR | Yes |
| 476317880709 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Verified change of circumstance on CD |  |  |  | Reviewer Comment (2021-10-15): Sufficient Cure Provided At Closing |  | 10/15/2021 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Exempt from ATR | Exempt from ATR | Yes |
| 476317880709 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Verified change of circumstance on CD |  |  |  | Reviewer Comment (2021-10-15): Sufficient Cure Provided At Closing |  | 10/15/2021 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Exempt from ATR | Exempt from ATR | Yes |
| 476317880709 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2021-11-03): Clearing after re-review. | 11/03/2021 |  |  | 1 B A |  | NY | Primary | Refinance - Rate/Term | D A C B | Exempt from ATR | Exempt from ATR | No |
| 311188826466 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Disaster inspection is not in the file. |  |  |  | Reviewer Comment (2021-11-19): Provided with trailing documents.<br>Seller Comment (2021-11-19): PCI Report | 11/19/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM | Exempt from ATR | No |
| 311188826466 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The Rate Lock is not in the file. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM | Exempt from ATR | No |
| 311188826466 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. | [redacted]Subprime Counseling Disclosure is not in the file. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Safe Harbor QM | Exempt from ATR | No |
| 311188826466 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | [redacted] Subprime Loan Disclosure is not in the file. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Safe Harbor QM | Exempt from ATR | Yes |
| 311188826466 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. | APR exceeds threshold for Prime Mortgage Market Rate. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Safe Harbor QM | Exempt from ATR | Yes |
| 311188826466 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | [redacted]Subprime Tax Disclosure is not in the file. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Safe Harbor QM | Exempt from ATR | No |
| 311188826466 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | No change of circumstance in the file , and no cure for the increased fee in the file. |  |  |  | Reviewer Comment (2021-11-17): Received, clearing. | 11/17/2021 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM | Exempt from ATR | Yes |
| 311188826466 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2021-11-17): Received, clearing.<br>Buyer Comment (2021-11-16): it's CDL DTI product, per our guideline: for REO, No supporting documentation will be required (i.e., mortgage statements, real estate taxes, hazard/flood insurance, HOA bills); the information stated on the signed 1003 will serve as verification of the income and expenses of the property(ies)." please refer to our guideline. | 11/17/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM | Exempt from ATR | No |
| 934762767007 |  |  |  |  |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Homeowner's insurance for the subject property is missing. |  |  |  | Reviewer Comment (2021-11-17): Received, clearing.<br>Seller Comment (2021-11-17): Hazard Insurance Policy | 11/17/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 934762767007 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | There is a FEMA declaration from [redacted] which is after the last property inspection. |  |  |  | Reviewer Comment (2021-12-02): Received, clearing.<br>Buyer Comment (2021-12-02): the attached report uploaded earlier is the PCI report with no potential risk noted, please further advise<br>Reviewer Comment (2021-12-02): AVM provided insufficient to clear exception. PCI report is required.<br>Seller Comment (2021-12-02): PCI Report | 12/02/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 934762767007 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | Hazard insurance documentation is not in the loan file. |  |  |  | Reviewer Comment (2021-11-17): Received, clearing.<br>Seller Comment (2021-11-17): Hazard Insurance Policy | 11/17/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 934762767007 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | [redacted] Subprime Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 934762767007 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 934762767007 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 934762767007 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]+ [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 934762767007 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 934762767007 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted]): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 928253116911 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2021-11-18): Received, clearing exception.<br>Seller Comment (2021-11-18): PCI Report | 11/18/2021 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 928253116911 |  |  |  |  |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  |  |  |  |  | Reviewer Comment (2021-11-19): Clearing after re-review.<br>Buyer Comment (2021-11-19): Please specify which Rider you are looking for. | 11/19/2021 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 928253116911 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than [redacted].; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2021-12-13): FSD score is [redacted] | 12/13/2021 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 928253116911 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 928253116911 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. D B A | Exempt from ATR | Exempt from ATR | Yes |
| 488796414945 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 488796414945 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted]): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 488796414945 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing rate lock agreement. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 488796414945 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Homeownership Counseling disclosure missing the [redacted]Agencies listed. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 488796414945 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-11-01): Sufficient Cure Provided At Closing |  | 11/01/2021 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 587487946906 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  |  |  |  |  | Reviewer Comment (2021-11-16): Received, clearing.<br>Seller Comment (2021-11-16): COVID-19 Attestation | 11/16/2021 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 587487946906 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Missing mortgage statement. |  |  |  | Reviewer Comment (2021-11-24): Clearing<br>Buyer Comment (2021-11-24): REO docs: it's CDL DTI product, mortgage statement or supporting docs of REO are not required | 11/24/2021 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 587487946906 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. |  |  |  | Reviewer Comment (2021-11-22): Received, clearing.<br>Seller Comment (2021-11-22): PCI Report | 11/22/2021 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 587487946906 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing income documents for the one year [redacted] documentation. |  |  |  | Reviewer Comment (2021-11-24): Received, clearing.<br>Seller Comment (2021-11-24): CPA letter and P&L | 11/24/2021 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 587487946906 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. | Missing [redacted] counseling disclosure. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 587487946906 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]]-m of the Banking Law. | Missing [redacted] subprime disclosure. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 587487946906 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate[redacted] + 1.75%, or[redacted]%. Non-Compliant SubPrime Loan. | [redacted] Subprime Loan: APR on subject loan of [redacted]or Final Disclosure APR of[Redacted ] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] +[redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 587487946906 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | Missing [redacted] Subprime tax disclosure. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 587487946906 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted ] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted ], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-10-29): Sufficient Cure Provided At Closing |  | 10/29/2021 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 587487946906 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was last disclosed as [redacted ] on LE but disclosed as $[redacted ] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-10-29): Sufficient Cure Provided At Closing |  | 10/29/2021 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 193778146811 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  |  |  |  |  | Reviewer Comment (2021-11-17): Received, clearing.<br>Seller Comment (2021-11-17): COVID-19 Attestation | 11/17/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 193778146811 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2021-12-03): Provided with trailing documents<br>Seller Comment (2021-12-03): PCI Report | 12/03/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 193778146811 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Source of Earnest Money is not documented. |  |  |  | Reviewer Comment (2021-11-24): Received, clearing.<br>Seller Comment (2021-11-24): EMD | 11/24/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 193778146811 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2021-11-24): Received, clearing.<br>Buyer Comment (2021-11-24): Assets: on Final CD, the cash to close [redacted]plus [redacted]months PITIA [redacted]=total required [redacted]; we've verified total assets from [redacted]statement of [redacted][redacted]; it's sufficient to cover [redacted] months reserves | 11/24/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 193778146811 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 193778146811 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | [redacted] Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 193778146811 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 193778146811 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted] of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 193778146811 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 193778146811 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  | Reviewer Comment (2021-12-23): PC CD<br>Seller Comment (2021-12-23): PCCD & LOE attached. |  | 12/23/2021 |  | 2 C B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 193778146811 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Tax amount increased without a valid change of circumstance. |  |  |  | Reviewer Comment (2021-12-03): reviewed with trailing documents | 12/03/2021 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 329087758331 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  |  |  |  |  | Reviewer Comment (2021-11-17): Received, clearing.<br>Seller Comment (2021-11-17): COVID-19 Attestation | 11/17/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 329087758331 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. |  |  |  | Reviewer Comment (2021-12-10): Received, Clearing. | 12/10/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 329087758331 |  |  |  |  |  |  | Credit | Property - Appraisal | Appraisal Adjustments | Property - Appraisal | Excessive site value noted on appraisal without appraiser comments to justify |  | Appraisal did not comment on site value |  |  |  | Reviewer Comment (2021-12-06): Received, clearing.<br>Buyer Comment (2021-12-06): appraiser: SITE VALUE IS NOTED IN COST APPROACH AND ADJ FOR SUCH IN ADDENDUM - THANKS | 12/06/2021 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 329087758331 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the List of Homeownership Counseling Organizations. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 329087758331 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of[redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 329087758331 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] plus [redacted]% or [redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by [redacted] due to increase of recording fees. The borrower's recording fee totals[redacted] while the Seller paid [redacted] in recording fees. |  |  |  | Reviewer Comment (2021-12-14): Received, Clearing.<br>Buyer Comment (2021-12-14): This is seller-paid so this is fine. | 12/14/2021 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 329087758331 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as [redacted] on LE but disclosed as [redacted] in borrower paid fees on Final Closing Disclosure. The Seller paid [redacted] in state tax stamps. |  |  |  | Reviewer Comment (2021-12-14): Received, Clearing.<br>Buyer Comment (2021-12-14): This is seller-paid so this change is fine. | 12/14/2021 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 329087758331 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 329087758331 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 329087758331 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 731816246013 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Need drive by per FEMA disaster after valuation date. |  |  |  | Reviewer Comment (2021-11-19): Received, clearing.<br>Seller Comment (2021-11-19): PCI Report | 11/19/2021 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 731816246013 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2021-11-29): Provided with trailing documents<br>Seller Comment (2021-11-29): AVM report uploaded and it supports the qualifying value | 11/29/2021 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 731816246013 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | [redacted] Subprime Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure D B C A | Exempt from ATR | Exempt from ATR | No |
| 731816246013 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. D B A | Exempt from ATR | Exempt from ATR | Yes |
| 731816246013 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-22): seller fee increased<br>Buyer Comment (2021-12-22): Increase is seller paid. This does not require a cure. | 12/22/2021 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 731816246013 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 731816246013 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 584519509375 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | File missing verification of $[redacted]of EMD only $[redacted]verified. |  |  |  | Reviewer Comment (2021-11-30): EMD evidence provided<br>Seller Comment (2021-11-30): The wire were sent to a real estate company, [redacted] based on the bank statement, [redacted] and [redacted]. see the uploaded statements for [redacted] part | 11/30/2021 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 584519509375 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Guidelines for O/O LDoc with a min score of [redacted] is [redacted]% LTV. Borrower score is [redacted]. |  |  |  | Reviewer Comment (2021-11-30): Received, clearing.<br>Seller Comment (2021-11-30): please find the updated credit report to reflect Fico [redacted] | 11/30/2021 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 584519509375 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Guidelines for O/O LDoc with a min score of [redacted] is [redacted]% LTV. Borrower score is [redacted]. |  |  |  | Reviewer Comment (2021-11-30): Received, clearing.<br>Seller Comment (2021-11-30): please find the updated credit report to reflect Fico [redacted] | 11/30/2021 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 584519509375 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Letter to borrower from lender indicates AVM report was sent on May [redacted]value $[redacted]. Desk review completed on [redacted] verification not shown as sent value $[redacted] |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 584519509375 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 433320034375 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business License and CPA Letter are missing. |  |  |  | Reviewer Comment (2021-12-03): provided with trailing documents<br>Seller Comment (2021-12-03): Business License and CPA attached. | 12/03/2021 |  |  | 1 C A |  | RI | Primary | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 433320034375 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | VOE is not in file. Signed [redacted] and [redacted] are needed. |  |  |  | Reviewer Comment (2021-12-08): VOR not required per guidelines.<br>Buyer Comment (2021-12-07): VOE: tax returns, transcripts are not required on CDL loans, borrower is [redacted], P&L is sufficient for CDL program; VOR: When borrowers purchase a primary residence, we do not require VOR for the property they will exit. The housing expense is no longer relevant. VOM: it's not applicable for this transaction<br>Reviewer Comment (2021-12-03): Signed 1040 and 4506T are needed, P&L insufficient documentation, exception stands.<br>Seller Comment (2021-12-03): P&L attached. | 12/08/2021 |  |  | 1 C A |  | RI | Primary | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 433320034375 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | [redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. | Document is missing. |  |  |  | Reviewer Comment (2021-12-21): exempt<br>Buyer Comment (2021-12-21): This is not applicable as we are a [redacted]. Exempt | 12/21/2021 |  |  | 1 C A |  | RI | Primary | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 433320034375 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | [redacted] Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  | Reviewer Comment (2021-12-21): exempt<br>Buyer Comment (2021-12-21): This is not applicable as we are a [redacted]. Exempt | 12/21/2021 |  |  | 1 C A |  | RI | Primary | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 433320034375 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | [redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  |  | Reviewer Comment (2021-12-21): exempt<br>Buyer Comment (2021-12-21): This is not applicable as we are a [redacted]. Exempt | 12/21/2021 |  |  | 1 C A |  | RI | Primary | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 433320034375 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-05-02): CDA received, Clearing. | 05/02/2022 |  |  | 1 A D |  | RI | Primary | Purchase | D A C | Exempt from ATR | Exempt from ATR | No |
| 573205990441 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  |  |  |  |  | Reviewer Comment (2021-11-02): NA for this Seller. | 11/02/2021 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 573205990441 |  |  |  |  |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2021-11-29): Sevicer is acceptable, exception cleared.<br>Seller Comment (2021-11-29): HOI mortgage clause correct per our guidelines | 11/29/2021 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 573205990441 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2021-11-19): Received, clearing exception.<br>Seller Comment (2021-11-19): tax verification uploaded in misc<br>Reviewer Comment (2021-11-15): Missing [redacted], [redacted], [redacted] tax verification.<br>Buyer Comment (2021-11-15): tax verification in file for all apartments, assuming they all fall in the sale tax bill | 11/19/2021 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 573205990441 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | True |  |  |  | Reviewer Comment (2021-12-03): Clearing.<br>Seller Comment (2021-12-03): Disagree - Transfer Tax is accurately disclosed as seller paid item\*Attached Final CD | 12/03/2021 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Safe Harbor QM (APOR) | Yes |
| 573205990441 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2022-03-14): Received, Clearing.<br>Seller Comment (2022-03-14): Exception approved; Verbal VOE dated [redacted]; SM-[redacted] at [redacted] AM.; Employment started date [redacted] to present . <br> Previous employment history([redacted]) W2s [redacted] to [redacted] | 03/14/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 573205990441 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2021-11-19): Received, clearing exception. | 11/19/2021 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 573205990441 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Restated to SHQM (APOR) |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Safe Harbor QM (APOR) | No |
| 673195167976 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2022-01-28): Received, Clearing.<br>Seller Comment (2022-01-28): Exception disapproved; This finding is invalid: File is a primary purchase on the Non-Agency Alternate Income Program. Guidelines states Tax ID Numbers are eligible borrowers. Attached is the borrowers Tax Payer ID Number along with the program guidelines. | 01/28/2022 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 673195167976 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted] Points and Fees | Fannie Mae 2014 3[redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of [redacted] % of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted] %). | Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted] %). |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | Yes |
| 673195167976 |  |  |  |  |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HOI policy provide reflects incorrect mortgagee clause. Lender reflected is not lender on Note. Lender to provide updated policy reflecting correct lender. |  |  |  | Reviewer Comment (2022-02-01): Exception granted.<br>Buyer Comment (2021-12-20): Mortgagee is wrong. Given age of loan and [redacted] language - we are ok with it | 02/01/2022 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 673195167976 |  |  |  |  |  |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of ___ on a purchase transaction. |  | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted].<br>Borrower has worked in the same position for more than [redacted].<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2021-12-20): Exception provided.<br>Seller Comment (2021-12-20): Agree - exception uploaded covers this |  |  | 12/20/2021 | 2 C B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 490089455739 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 490089455739 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | HOI policy provide reflects incorrect mortgagee clause. Lender reflected is not lender on Note. Lender to provide updated policy reflecting correct lender. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 386380347522 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2022-01-10): Exception received.<br>Seller Comment (2022-01-10): we are missing proof of [redacted] and [redacted] to make full [redacted]month history exception approved for missing months | 01/10/2022 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Borrower received Right to received a copy of Appraisal on the same day as closing [redacted] . |  |  |  | Reviewer Comment (2021-12-20): Received, Clearing. | 12/20/2021 |  |  | 1 B A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | Yes |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Loan File is a Non-compliant HPML due to excess APR allowable. |  |  |  | Reviewer Comment (2021-12-20): Received, Clearing.<br>Buyer Comment (2021-12-20): HPML loans are ok to fund | 12/20/2021 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Initial CD Issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2022-01-10): Received, Clearing.<br>Seller Comment (2022-01-10): ICD sent electronically | 01/10/2022 |  |  | 1 C A |  | VA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Initial CD Issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2022-01-10): Received, Clearing.<br>Seller Comment (2022-01-10): Initial LE was sent [redacted] - borrower signed same day but broker did not sign the 1003. Given age of loan, can't pull the signed copy from DocMagic but tracking shows the same timeline | 01/10/2022 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. | Initial CD Issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2022-01-10): Received, Clearing.<br>Seller Comment (2022-01-10): LE sent electronically | 01/10/2022 |  |  | 1 C A |  | VA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on the closing Disclosure without any valid change of circumstance reason provided to the borrower. |  |  |  | Reviewer Comment (2022-01-12): PC CD<br>Seller Comment (2022-01-12): Cure Docs |  | 01/12/2022 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraiser did not analyze the property. |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Borrower was supposed to receive Right to Receive a Copy of Appraisal but that did not happen as borrower only received the document on the closing day. |  |  |  | Reviewer Comment (2021-12-20): Received, Clearing. | 12/20/2021 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 386380347522 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within [redacted] ([redacted]) business days of application. | Borrower was provided with document on [redacted] . |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 789642857870 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Bank Statements - Business not provided |  | Missing business bank statement from period of [redacted] through [redacted] . |  |  |  | Reviewer Comment (2022-02-10): Received. Clearing.<br>Seller Comment (2022-02-10): Findings are invalid. The Jan bank statements are showing uploaded in the document list, see attached all 4 pages included. | 02/10/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 789642857870 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): [redacted] income documentation not sufficient (Sole Proprietorship). | Missing income documents to complete Ability-to-Repay (Dodd-Frank 2014) analysis. [redacted] letter. |  |  |  | Reviewer Comment (2022-03-11): Documentation received, cleared<br>Seller Comment (2022-03-11): Borrower is Sch C and does her own taxes. We have attached the business license and tax returns.<br>Reviewer Comment (2022-03-09): Received, Bank Statement, still need CPA letter<br>Seller Comment (2022-03-09): Attached bank statement for the entire month of January. | 03/11/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 789642857870 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Missing income documents to complete Ability-to-Repay (Dodd-Frank 2014) analysis. Missing [redacted] bank statement from [redacted] [redacted] and CPA letter. |  |  |  | Reviewer Comment (2022-03-11): Documentation received, cleared<br>Seller Comment (2022-03-11): Borrower is Sch C and does her own taxes. We have attached the business license and tax returns.<br>Reviewer Comment (2022-01-24): Removing assets doesn't fix the missing business bank statement from [redacted] to [redacted], [redacted]and CPA letter.<br>Seller Comment (2022-01-24): Disagree - Business assets of [redacted] have been removed as they are not needed as shown in 1003 and 1008 | 03/11/2022 |  |  | 1 B A C |  | NJ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM | Safe Harbor QM (APOR) | Yes |
| 789642857870 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing [redacted]letter and balance sheet. |  |  |  | Reviewer Comment (2022-02-10): Received. Clearing.<br>Seller Comment (2022-02-10): Findings are invalid: Balance sheet and PNL are on file signed and dated | 02/10/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 789642857870 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Updated to QM (APOR) |  |  |  |  |  |  |  | 2 A B |  | NJ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 184689186464 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted] Points and Fees | Fannie Mae [redacted] [redacted] % Points and Fees Test. Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of [redacted] % of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or .[redacted] %). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | Yes |
| 184689186464 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to addition of Endorsement, Courier, SubEscrow, and Wire fees. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2021-11-09): Sufficient Cure Provided At Closing |  | 11/09/2021 |  | 1 A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 184689186464 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | Start date of current [redacted] not verified. |  |  |  | Reviewer Comment (2022-02-23): Received, Clearing.<br>Seller Comment (2022-02-23): See attached needed docs. Paystubs were for the verification prior to close. VVOEs confirm borrower's start date of [redacted]<br>Reviewer Comment (2022-02-18): paystubs do not contain verification of start date of employment, unable to clear exception with documentation provided.<br>Seller Comment (2022-02-18): Paystubs were used to verify employment prior to close | 02/23/2022 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 196491491204 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Lender to provide flood cert for subject property - not in file. |  |  |  | Reviewer Comment (2021-12-16): Received, Clearing.<br>Seller Comment (2021-12-16): Flood Cert | 12/16/2021 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 196491491204 |  |  |  |  |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Lender to provide HOI cert for property - not in file. |  |  |  | Reviewer Comment (2021-12-16): Received, Clearing.<br>Seller Comment (2021-12-16): HOI | 12/16/2021 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 196491491204 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Secondary valuation required due to property type was not in file. |  |  |  | Reviewer Comment (2021-12-15): Received and associated CDA. Exception cleared.<br>Seller Comment (2021-12-13): CDA | 12/15/2021 |  |  | 1 D A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 196491491204 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Credit was repulled on [Redacted] and showed new mortgages, but lender fed DU the old credit report from April that did not have them. DU then asked for VOMs for these mortgages. Lender to rerun DU with correct credit report and provide approve/eligible findings. |  |  |  | Reviewer Comment (2021-12-23): Received, Clearing.<br>Seller Comment (2021-12-23): Updated DU | 12/23/2021 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 196491491204 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Lender to provide: for [Redacted], a) proof borrower is [Redacted] owner of[Redacted] (landlord on leases) and b) leases totaling[Redacted]mo (we have [redacted] for[Redacted]). |  |  |  | Reviewer Comment (2022-01-20): Received, Clearing.<br>Seller Comment (2022-01-20): Disagree - REO doc uploaded | 01/20/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 734274100643 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Missing second valuation needed for Securitization and was not provided. |  |  |  | Reviewer Comment (2021-12-15): Received and associated CDA . Exception cleared.<br>Seller Comment (2021-12-14): CDA | 12/15/2021 |  |  | 1 D A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 734274100643 |  |  |  |  |  |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Cert provided shows the subject zip code as[Redacted] and not[Redacted] per the Note address. Please have this updated and send for review. |  |  |  | Reviewer Comment (2022-02-09): Received, Clearing.<br>Seller Comment (2022-02-08): Attached flood cert which shows a zip code of [Redacted] | 02/09/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 734274100643 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI is within [Redacted] variance. |  |  |  | Reviewer Comment (2021-12-22): Received, Clearing.<br>Buyer Comment (2021-12-22): DTI still within guides | 12/22/2021 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 734274100643 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender submitted outdated [redacted] to AUS - [redacted] picks up the report from [redacted], credit report used for origination was dated[Redacted]. As a result [redacted] is asking for [redacted] on several mortgages that weren't on the older credit report but were on the new report. Lender to rerun AUS with correct credit report associated. |  |  |  | Reviewer Comment (2022-02-10): Received, Clearing.<br>Seller Comment (2022-02-10): Agree - AUS findings updated with correct credit uploaded | 02/10/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 734274100643 |  |  |  |  |  |  | Credit | System | General | System | 1003 Subject Address does not match Note address. |  | Per flood cert and title zip code for subject is [redacted], which was confirmed by USPS lookup performed by QC. Zip code on appraisal, CDs, note and security instrument is [Redacted]. Lender to provide appraisal and closing documents with corrected zip code. |  |  |  | Reviewer Comment (2022-01-27): Received, Clearing.<br>Seller Comment (2022-01-27): Exception approved | 01/27/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 500742244659 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Bank Statements - Business not provided |  |  |  |  |  | Reviewer Comment (2022-01-10): Received, Clearing.<br>Seller Comment (2022-01-10): business narrative and CPA letter | 01/10/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 500742244659 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  |  |  |  |  | Reviewer Comment (2022-01-10): Received, Clearing.<br>Seller Comment (2022-01-10): Source docs | 01/10/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 500742244659 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-02-03): Non-compliant due to did not obtain 2 appraisals on a flipped property.<br>Buyer Comment (2022-02-03): Disagree - NonQM not required to pass HPML testing<br>Reviewer Comment (2022-01-11): This is due to flipped property missing 2 appraisals issue.<br>Buyer Comment (2022-01-11): HPML loans ok to fund, just need to pass high cost |  |  |  | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 500742244659 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain [redacted] ([redacted]) written appraisals. |  |  |  |  |  |  |  |  | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 500742244659 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  | Reviewer Comment (2022-01-11): PC CD<br>Seller Comment (2022-01-11): PCCD was uploaded to previous comment. attached again<br>Reviewer Comment (2022-01-10): Pending receipt of PCCD<br>Seller Comment (2022-01-10): Appraisal and CDA indicate no HOA - PCCD to correct |  | 01/11/2022 |  | 2 C B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 500742244659 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted] . | There is a valid change in circumstance for this fee amount change. |  |  |  | Reviewer Comment (2022-01-10): Received, Clearing.<br>Buyer Comment (2022-01-10): Change in credit was valid as noted in condition | 01/10/2022 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 500742244659 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | There is no valid change in file for this fee amount change. |  |  |  | Reviewer Comment (2022-01-12): PC CD<br>Seller Comment (2022-01-12): Cure Docs |  | 01/12/2022 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 500742244659 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | The finance charge is $[redacted] . |  |  |  | Reviewer Comment (2022-01-10): Received, Clearing.<br>Buyer Comment (2022-01-10): Finance charge in the condition matches to that on the Final CD | 01/10/2022 |  |  | 1 C A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 855641228100 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain [redacted] ([redacted]) written appraisals. | Property was flipped - lender to obtain second appraisal. |  |  |  | Reviewer Comment (2022-01-11): This exception cannot be overcome with an exception.<br>Seller Comment (2022-01-11): exception approved prior to fund to treat as if property was seasoned[redacted] months |  |  |  | 2 C B |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 855641228100 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | The APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. |  |  |  | Reviewer Comment (2022-02-03): Non-compliant due to did not obtain 2 appraisals on a flipped property.<br>Buyer Comment (2022-02-03): Disagree - NonQM not required to pass HPML testing<br>Reviewer Comment (2022-01-11): Exception is due to flipped missing 2 appraisals.<br>Buyer Comment (2022-01-11): only required to pass High Cost testing |  |  |  | 2 C B |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 973145509378 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  | Reviewer Comment (2022-01-11): PC CD<br>Seller Comment (2022-01-11): Appraisal confirms no HOA - broker indicated [redacted]/month. PCCD |  | 01/11/2022 |  | 2 C B |  | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 973145509378 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted] . | Zero percent tolerance on lender credits however change of circumstance noted in disclosures |  |  |  | Reviewer Comment (2022-01-11): Received, Clearing.<br>Seller Comment (2022-01-11): [redacted] COC LE was issued for rate lock with [redacted] dicount being charge. Lender Credit removed to account for rate/points. Change is valid | 01/11/2022 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 973145509378 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | Tolerance exceeded regarding APR or is in excess |  |  |  | Reviewer Comment (2022-02-03): Non-compliant due to did not obtain 2 appraisals on a [redacted] property.<br>Buyer Comment (2022-02-03): Disagree - NonQM not required to pass HPML testing.<br>Reviewer Comment (2022-01-11): Due to flipped need for 2 appraisals not high cost.<br>Buyer Comment (2022-01-11): HPML loans ok - just need to pass High Cost testing |  |  |  | 2 C B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 973145509378 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain [redacted] ([redacted]) written appraisals. | Only one appraisal in file and desk review |  |  |  | Reviewer Comment (2022-01-11): This exception cannot be overcome with an exception.<br>Seller Comment (2022-01-11): exception was approved to treat the flip as a normal transaction prior to funding |  |  |  | 2 C B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 973145509378 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | No seller paid fees outlined on disclosure which affects compliance |  |  |  | Reviewer Comment (2022-01-11): Received, Clearing.<br>Seller Comment (2022-01-11): Seller CD | 01/11/2022 |  |  | 1 C A |  | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 238869253768 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most recent valuation is dated prior to most recent FEMA Disaster. |  |  |  | Reviewer Comment (2022-01-11): Received, Clearing.<br>Seller Comment (2022-01-11): Disagree - inspection uploaded | 01/11/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 238869253768 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | The appraisal acknowledgement was not found in the file. |  |  |  | Reviewer Comment (2022-01-20): Received, Clearing. | 01/20/2022 |  |  | 1 B A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 238869253768 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | The appraisal acknowledgement was not found in the file. |  |  |  | Reviewer Comment (2022-01-20): Received, Clearing.<br>Seller Comment (2022-01-20): Exception approved | 01/20/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 238869253768 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | The lender provided a $[redacted] credit that covers the addition of the Buyer Attorney Review Fee on the final CD. |  |  |  | Reviewer Comment (2021-12-10): Cured on CD |  | 12/10/2021 |  | 2 C B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 941089491187 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [Redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. | Lender exception provided | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-02-07): Exception denied by the client.<br>Reviewer Comment (2022-01-10): Received<br>Reviewer Comment (2022-01-10): lender exception<br>Buyer Comment (2022-01-10): rebuttal uploaded to [Redacted] |  |  |  | 2 C B |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 941089491187 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | File missing documentation for Non-Permanent Resident Alien. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least [Redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. | Lender exception provided | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-01-10): lender exception<br>Seller Comment (2022-01-10): ITIN from IRS w/ exception to use |  |  | 01/10/2022 | 2 B |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 280442958703 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2022-02-22): Received, Clearing.<br>Seller Comment (2022-02-21): Disagree - ITIN attached along with exception from [redacted] | 02/22/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 280442958703 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | The Hazard Insurance Policy effective date is after the Transaction Date. |  | Hazard insurance effective date is after the note date. |  |  |  | Reviewer Comment (2022-01-31): Received, Clearing.<br>Seller Comment (2022-01-31): Disagree - Effective Date is [redacted] [redacted], per LQB funding date [redacted] | 01/31/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 280442958703 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | There is no Valid change in circumstance for this fee change. |  |  |  | Reviewer Comment (2022-02-09): Received, Clearing.<br>Seller Comment (2022-02-09): Disagree - uploaded coc cd and le showing no cure needed | 02/09/2022 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Higher Priced QM (APOR) | Yes |
| 280442958703 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. |  |  |  |  |  | Reviewer Comment (2022-02-15): Received, Clearing.<br>Seller Comment (2022-02-15): Minimum loan amount is $[redacted] per guideline. Please see attached.<br>Reviewer Comment (2022-01-31): The provided exception doesn't say anything about min loan amount.<br>Seller Comment (2022-01-31): Disagree - previous exception covers this as well as matrix to [redacted] | 02/15/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 280442958703 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-02-17): Received, Clearing.<br>Seller Comment (2022-02-17): Attached VOE for [redacted] | 02/17/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 280442958703 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-02-17): Received, Clearing.<br>Seller Comment (2022-02-17): Attached VOE for [redacted]. | 02/17/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Higher Priced QM (APOR) | No |
| 280442958703 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated to QM(APOR) |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Higher Priced QM (APOR) | No |
| 576876031833 |  |  |  |  |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Insurance policy provided - loss payee was blank |  |  |  | Reviewer Comment (2022-03-02): Hazard policy with updated mortgagee clause received<br>Seller Comment (2022-03-02): Attached HOI with correct mortgagee clause. Please clear finding as the mortgagee clause is correct on the Declaration page. | 03/02/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 576876031833 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated to QM (APOR) |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Higher Priced QM (APOR) | No |
| 862018220171 |  |  |  |  |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-07-08): Accepted as is |  |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 862018220171 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | [redacted]months rent loss insurance is required and not provided due to the the guidelines requiring leases on rented units; however, there were [Redacted] rented units and only [redacted] leases provided. |  |  |  | Reviewer Comment (2022-02-22): Received, Clearing.<br>Seller Comment (2022-02-22): Disagree - rental leases on all properties uploaded | 02/22/2022 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 862018220171 |  |  |  |  |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I |  | Note appears to be interest only and the I/O addendum is missing |  |  |  | Reviewer Comment (2022-11-03): Received the corrected note, clearing exception.<br>Reviewer Comment (2022-11-03): Opening to clear.<br>Reviewer Comment (2022-07-08): Unable to resolve<br>Reviewer Comment (2022-05-02): Then you have a note issue as monthly payment listed in the note doesn't add up to what is should be without I/O.<br>Seller Comment (2022-05-02): Disagree - loan is not an interest only loan, uploaded 1008 | 11/03/2022 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 566831941249 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-02-16): Received, Clearing.<br>Seller Comment (2022-02-16): Review: SSR score was [redacted] for FNMA and a[redacted] for FHLMC- no second AVM required<br>Reviewer Comment (2022-02-16): We have nothing in the file the represents a collateral score. Please provide if you have it.<br>Seller Comment (2022-02-16): Per guidelines no secondary valuation needed as score is below [Redacted].<br>Reviewer Comment (2022-02-14): Not sure what [redacted] has to do with a secondary value. Please advise.<br>Seller Comment (2022-02-12): Disagree - attached [redacted] run that was completed in the file | 02/16/2022 |  |  | 1 D A |  | MI | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 566831941249 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for [Redacted] days or sourced. Gap in history and missing statement dated from [Redacted] - [Redacted] |  |  |  | Reviewer Comment (2022-02-07): Received, Clearing.<br>Seller Comment (2022-02-07): Exception disapproved. [redacted] requires only [Redacted] bank statements. | 02/07/2022 |  |  | 1 C A |  | MI | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 566831941249 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure provided [Redacted] was not provided [redacted] days prior to consummation. |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 566831941249 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Guidelines require AUS findings. |  |  |  | Reviewer Comment (2022-02-24): Received, Clearing.<br>Seller Comment (2022-02-24): Please see attached AUS run that was completed on the file. Please note this was ran [redacted] rather than [redacted]. | 02/24/2022 |  |  | 1 C A |  | MI | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 566831941249 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | It is indicated as flood insurance only was escrowed. |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 566831941249 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final CD issue date [Redacted] page 4 was not properly completed to include the escrow cost vs non escrowed cost. |  |  |  | Reviewer Comment (2022-03-15): [Redacted] received a corrected CD and LOE.<br>Seller Comment (2022-03-11): Disagree - PCCD and LOX uploaded<br>Reviewer Comment (2022-02-14): CD dated [Redacted] P2 indicates initial escrow payment of [Redacted], matching Initial escrow account disclosure. P4 of CD doesn't indicate initial escrow payment. Corrected CD required.<br>Seller Comment (2022-02-14): Review: Please see attached PCCD dated [Redacted] - On p4<br> • Monthly Flood insurance is [Redacted], and for one year cost , it is [Redacted] (Flood ins is in escrow)<br> • For non-escrow cost, including HOI [Redacted] + property tax [Redacted] + HOA [Redacted] |  | 03/15/2022 |  | 2 C B |  | MI | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 566831941249 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final CD issue date[Redacted] page 4 was not properly completed to include the escrow cost vs non escrowed cost. |  |  |  | Reviewer Comment (2022-03-15): [Redacted] received a corrected CD and LOE.<br>Seller Comment (2022-03-11): Disagree - PCCD and LOX uploaded<br>Reviewer Comment (2022-02-14): CD dated [Redacted] P2 indicates initial escrow payment of [Redacted], matching Initial escrow account disclosure. P4 of CD doesn't indicate initial escrow payment. Corrected CD removing discrepancy required.<br>Seller Comment (2022-02-14): Review: Please see attached PCCD dated [Redacted] - On p4 • Monthly Flood insurance is [Redacted], and for one year cost , it is [Redacted] (Flood ins is in escrow) • For non-escrow cost, including HOI [Redacted] + property tax [Redacted] + HOA [Redacted] |  | 03/15/2022 |  | 2 C B |  | MI | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 356381476273 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The fees do not match the Non Escrowed Property Costs Year [redacted] the amount reflected of $[redacted] per year did not reflect the annual flood insurance of $[redacted] . |  |  |  | Reviewer Comment (2022-02-24): [redacted] received PCCD and LOE; exception is cured.<br>Reviewer Comment (2022-02-24): Per conversations with outside counsel, exceptions related to non-escrowed property costs on page 4 of the CD may be regraded to an EV2<br>Seller Comment (2022-02-22): Agree - underwriter combined the hazard insurance and flood insurance. uploaded corrected final 1003, the post consummation CD, the letter of explanation to the borrower, corrected first payment letter, and initial escrow account disclosure. |  | 02/24/2022 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 732420964096 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-02-16): Received, Clearing.<br>Seller Comment (2022-02-16): Exception approved. | 02/16/2022 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 732420964096 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  |  |  |  |  | Reviewer Comment (2022-02-17): Received, Clearing.<br>Seller Comment (2022-02-17): Exception approved. | 02/17/2022 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 732420964096 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-02-22): Received, Clearing.<br>Seller Comment (2022-02-22): Disagree - [redacted] months assets that is required for reserves is meet since we have [redacted] months reserves<br>Reviewer Comment (2022-02-16): Not sure what guidelines and 1008 are to show. Please advise what your trying to show here.<br>Seller Comment (2022-02-16): Exception approved. | 02/22/2022 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 732420964096 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Home Loan (Ability to Repay not Verified) | [redacted] Home Loan ([redacted]): Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 706912749590 |  |  |  |  |  |  | Credit | Income | Income Error | Income | The # of Bank Statements Required is less than total of Statement Period Months. |  |  |  |  |  | Reviewer Comment (2022-02-23): Received, Clearing.<br>Seller Comment (2022-02-23): Please see attached statements to clear finding. | 02/23/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 706912749590 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) and/or (TX50(t)) No Title in the loan file or Title indicates other lien(s) exist | [redacted] Constitution Section 50(a)(6) and/or 50(t): Title indicates there are other lien(s) that are not included in CLTV calculation. Unable to conclusively determine compliance with [redacted] % CLTV limitation. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead. If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B A | Non QM | Non QM | No |
| 706912749590 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Date of first payment does not begin within two (2) months from the date extension of credit was made or loan is not scheduled to be paid in equal monthly installments) | [redacted] Constitution Section 50(a)(6): Date of first payment does not begin within [redacted] ([redacted]) months from the date extension of credit was made or loan is not scheduled to be paid in equal monthly installments. |  |  |  |  | Reviewer Comment (2022-03-30): Cured.<br>Seller Comment (2022-03-30): Agree - uploaded PCCD, LOX, check and shipping label<br>Reviewer Comment (2022-03-10): Texas Constitution Section [redacted] is measured from the date of extension of credit was made which was at signing which was on [redacted]. Exception will remain.<br>Buyer Comment (2022-03-10): Disagree - This was a [redacted][redacted], loan funded on [redacted], we collected per diem interest from [redacted]- [redacted] on the CD at closing, making first payment date [redacted], this is within the [redacted]months of Funding<br>Reviewer Comment (2022-02-22): Texas Constitution Section [redacted]: Date of first payment does not begin within two (2) months from the date extension of credit was made or loan is not scheduled to be paid in equal monthly installments. The extension of credit was on [redacted] when the loan documents were signed.<br>Buyer Comment (2022-02-22): Loan Disbursed (primary refi) on[redacted] redacted]. 1st pay is set for [redacted] - within two months |  | 03/30/2022 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B C A | Non QM | Non QM | Yes |
| 706912749590 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | [redacted] Constitution Section 50(a)(6): Points and fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] % of the Original Principal Loan Amount. Points and Fees total [redacted] on an Original Principal Loan Amount of[redacted] vs. an allowable total of [redacted] (an overage of [redacted] or [redacted] %.) |  |  |  |  | Reviewer Comment (2022-03-14): Lender provided copy of [redacted] refund check, PCCD showing refunded amount, LOE to borrower, and proof of delivery.<br>Reviewer Comment (2022-03-14): Lender provided copy of [redacted] refund check, LOE to borrower, and proof of delivery.<br>Seller Comment (2022-03-10): Agree - PCCD, LOX, check and shipping label uploaded |  | 03/14/2022 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B | Non QM | Non QM | Yes |
| 706912749590 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2022-02-14): Received, Clearing.<br>Seller Comment (2022-02-14): Disagree - uploaded VVOE for the business that was in the file | 02/14/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 706912749590 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] is less than amount of binding Lender Credit previously disclosed in the amount of [redacted]. | Fee change without a valid change of circumstance. |  |  |  | Reviewer Comment (2022-02-17): credit provided<br>Seller Comment (2022-02-17): Disagree - [redacted] COC CD signed @ [redacted] PM was issued to reflect removing discount points and Underwriting Fee, then replacing as Originator Compensation which was previously disclosed as Lender Credit in the amount of[redacted] to be paid by borrower; to offset the full amount, a true lender credit of [redacted]was added in Section J | 02/17/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 706912749590 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Loan Originator Compensation Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-17): Received, Clearing.<br>Seller Comment (2022-02-17): : Disagree - Loan Originator Compensation Fee of[redacted] flipped from lender paid to borrower paid in COC & CD dated [redacted], From the Initial LE dated [redacted]. Provided COC on same day for the fee added. Refer issued CD and COC dated [redacted]. | 02/17/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 706912749590 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2022-02-22): Received, Clearing.<br>Seller Comment (2022-02-21): Disagree - fair market value signed uploaded | 02/22/2022 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | Non QM | Non QM | Yes |
| 497267738773 |  |  |  |  |  |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Lender to provide final title policy with a policy amount of [Redacted] |  |  |  | Reviewer Comment (2022-03-16): Loan amount on prelim report | 03/16/2022 |  |  | 1 B A |  | CA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 497267738773 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | The file is missing a copy of the Seller's CD or signed closing statement. The buyer's CD does not list any seller fees. |  |  |  | Reviewer Comment (2022-02-17): Received, Clearing.<br>Seller Comment (2022-02-17): Disagree - Seller Paid Settlement Statement uploaded | 02/17/2022 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 391827102759 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Lender to provide a legible front and back copy of the borrower(s) valid [redacted] RegistrationReceipt Card I-[redacted] . |  |  |  | Reviewer Comment (2022-03-01): Received, Clearing.<br>Seller Comment (2022-03-01): ID and ITIN paperwork in file meets guidelines. See attached. | 03/01/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 391827102759 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2022-03-01): provided<br>Seller Comment (2022-03-01): The signed purchase agreements and addendums are also in file. See attached. | 03/01/2022 |  |  | 1 D A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 391827102759 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2022-03-11): Received, Clearing.<br>Buyer Comment (2022-03-11): undiscounted rate/price provided to exception id [redacted] | 03/11/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 391827102759 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2022-03-11): Received, Clearing.<br>Buyer Comment (2022-03-11): undiscounted rate/price provided to exception id [redacted] | 03/11/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 391827102759 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted] days. |  |  |  |  | Reviewer Comment (2022-03-11): Received, Clearing.<br>Buyer Comment (2022-03-11): undiscounted rate/price provided to exception id [redacted] | 03/11/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 391827102759 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted] % of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted] %). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2022-03-11): Received, Clearing.<br>Buyer Comment (2022-03-11): undiscounted rate/ price = [redacted]/[redacted]. 1 point can be excluded from testing as bona fide | 03/11/2022 |  |  | 1 C A |  | CA | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. D C | Non QM | Non QM | Yes |
| 391827102759 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee increased from $[redacted] to $[redacted] without a valid change of circumstance. |  |  |  | Reviewer Comment (2022-02-14): Sufficient Cure Provided At Closing |  | 02/14/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 391827102759 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Unable to verify Guideline requirements due to missing documentation regarding borrower's [redacted] residency status. |  |  |  | Reviewer Comment (2022-03-07): Evidence of ITIN and government issued ID is sufficient documentation<br>Seller Comment (2022-03-07): Rebuttal - guidelines for ITIN borrower that shows only DL and ITIN paperwork required<br>Reviewer Comment (2022-03-01): Driver's license insufficient documentation of citizenship or residency. Lender exception to guideline requirements required.<br>Seller Comment (2022-03-01): ID and ITIN paperwork in file meets guidelines. See attached. | 03/07/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 391827102759 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. |  |  |  |  | Reviewer Comment (2022-03-11): Received, Clearing.<br>Buyer Comment (2022-03-11): undiscounted rate/price provided to exception id [redacted] | 03/11/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 924130419896 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2022-02-25): [redacted] received document which states it was Mailed to the borrower.<br>Seller Comment (2022-02-24): Disagree - DocMagic automatically mailed initial disclosure package [redacted] as indicated in entry line 'Esign Event Expired' in the attached details in order to remain compliant within timing requirements | 02/25/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 924130419896 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | Verification of employment was completed more than [redacted] days prior to the note date. |  |  |  | Reviewer Comment (2022-02-23): Received, Clearing.<br>Seller Comment (2022-02-23): Attached paystub dated [redacted] for your review. | 02/23/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 924130419896 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 924130419896 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted]): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 406343650038 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 406343650038 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 423501612414 |  |  |  |  |  |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title policy did not show the title policy amount. |  |  |  | Reviewer Comment (2022-03-16): Supplemental title received with sufficient dollar amount | 03/16/2022 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 816693792704 |  |  |  |  |  |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Lender to provide a copy of the final title policy with a policy amount of $[redacted] . |  |  |  | Reviewer Comment (2022-03-16): Title supplement in file with loan amount | 03/16/2022 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 627644567490 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file was missing a verification of non US citizen status |  |  |  | Reviewer Comment (2022-03-07): Received, Clearing.<br>Seller Comment (2022-03-07): AB Disagree - not a valid finding - . File is a Non-Agency Alternative Income program. Guidelines state ITIN number is acceptable with ID verification . At the time of closing the borrowers document was valid. uploaded ITIN document, Borrowers ID, guidelines confirming use, and evidence from IRS when document expires. | 03/07/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 627644567490 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing a CPA letter for borrower |  |  |  | Reviewer Comment (2022-03-07): Received, Clearing.<br>Seller Comment (2022-03-07): Disagree - not a valid finding - File is a Non-Agency Alternative program. Program allows borrower to use business banks statements for qualifying income. Borrower provided bank statement for [redacted]months along with business license to confirm ownership of business. | 03/07/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 627644567490 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | The file was missing a [redacted] card or other |  |  |  | Reviewer Comment (2022-03-07): Received, Clearing.<br>Seller Comment (2022-03-07): Disagree - not a valid finding - . File is a Non-Agency Alternative Income program. Guidelines state ITIN number is acceptable with ID verification . At the time of closing the borrowers document was valid. uploaded ITIN document, Borrowers ID, guidelines confirming use, and evidence from IRS when document expires. | 03/07/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 871521289867 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-03-11): Received, Clearing.<br>Seller Comment (2022-03-11): Loan was closed with UW requesting [redacted] months reserves. Per Guideline we need [redacted] months. <br>PITIA : [redacted]\*2= [redacted] + (CC) [redacted]= [redacted] Verified Assets [redacted]<br>[redacted]-[redacted]= [redacted](Extra) | 03/11/2022 |  |  | 1 C A |  | MD | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 871521289867 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | The lender provided a $[redacted] lender credit that covers the appraisal fee increase. |  |  |  | Reviewer Comment (2022-03-15): [redacted] Upon further review, sufficient cure was already provided at closing.<br>Seller Comment (2022-03-14): Disagree - a Cure of [redacted] was issued on both ICD and Final CD Section J. See attached CDs.<br>Reviewer Comment (2022-03-09): [redacted] agree with the associate comment. this exception will be cleared once we received any resolution for other opened 0% tolerance exception(Originator Compensation).<br>Seller Comment (2022-03-07): Disagree - a Cure of [redacted] was issued on both ICD and Final CD Section J, uploaded CDs | 03/15/2022 |  |  | 1 C A |  | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 871521289867 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The loan originator compensation went from lender paid YSP to borrower paid on the final CD and a change in circumstance or lender credit was not provided. |  |  |  | Reviewer Comment (2022-03-16): [redacted] has received valid changed circumstance and explanation for fee increase.<br>Seller Comment (2022-03-15): Doc Magic Test attached showing there was a High Cost Fail. The change in comp from LPC to BPC was a result of the loan continually being tagged High Cost. It's a borrower requested change in order to close the loan. Revising the fees on the final CD meets timing compliance as the revision did not trigger an additional 3 day waiting period.<br>Reviewer Comment (2022-03-15): [redacted] Received a COC dated [redacted] showing Rate lock on LE dated [redacted]. Secondly it does not give a valid reason for change. Please provide a valid COC stating the valid reason for the change in compensation plan or provide cure documents.<br>Seller Comment (2022-03-14): Disagree - [redacted] COC CD was issued for Discount Points removed and changed Originator Compensation to Borrower Paid, then added a Lender Credit (section J) in the amount of [redacted] to offset the overage in Section A. See attached COC CD and DM.<br>Reviewer Comment (2022-03-09): [redacted] noticed the change occurred on final CD but we do not have any valid COC for the change. Kindly provide valid COC with reason for change in compensation plan to re-baseline the fee.<br>Seller Comment (2022-03-07): Disagree - [redacted] ICD was issued with Discount Points of [redacted] and Lender paid Originator Compensation of [redacted]. On the Final CD, Discount Points removed and changed Originator Compensation to Borrower Paid, then added a Lender Credit (section J) in the amount of [redacted] to offset the overage in Section A. | 03/16/2022 |  |  | 1 C A |  | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 871521289867 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-03-16): Sufficient Cure Provided At Closing |  | 03/16/2022 |  | 1 A |  | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 415275919087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows [Redacted] in seller paid closing costs, borrower's final CD shows [Redacted]. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-04): BonaFide Point Breakdown Provided | 04/04/2022 |  |  | 1 A |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 415275919087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount fees increased without a valid change of circumstance. |  |  |  | Reviewer Comment (2022-03-24): [Redacted] Received CD and COC dated [Redacted] showing lock extension. No additional cure needed.<br>Seller Comment (2022-03-23): Disagree - uploaded CD dated [Redacted] with COC for Lock Extension, Originator Compensation & CD dated [Redacted] with COC for Lock Extension Discount Points.<br>Reviewer Comment (2022-03-18): [Redacted] upon further review there are no CDs provided in the file which is dated [Redacted]. Please provide the missing CDs dated [Redacted] and also please provide updated COC which shows property address or loan number of the file.<br>Seller Comment (2022-03-16): Disagree - there are 2 CD's with COC's attached dated [Redacted] in the file - the first one shows lock extension with Originator Compensation fee increase, the 2nd one shows lock extension with Loan Discount Point increase to [Redacted] This fee remained the same through Final CD dated [Redacted]. There is no cure due on this loan; Lock was extended per COC dated [Redacted] & [Redacted], which changed the loan discount points. The fee remained the same through Final CD after lock extension per COC on [Redacted]. No cure is due<br>Reviewer Comment (2022-03-11): [Redacted] received Changed Circumstance dated [Redacted]. The loan discount point fee increased on CD issued [Redacted], which is 4 days from the change date. In order to re-baseline fees, a revised CD needed to be issued within 3 business days of the change occurring. Provide a corrected CD, copy of the refund check, proof of mailing , and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Seller Comment (2022-03-09): Disagree - Lock was extended per COC dated [Redacted] & [Redacted], which changed the loan discount points. The fee remained the same through Final CD after lock extension per COC on [Redacted]. No cure is due. | 03/24/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 415275919087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Survey fee increased from [Redacted] to [Redacted] without a valid change of circumstance. |  |  |  | Reviewer Comment (2022-03-23): [Redacted] received attestaion Letter.<br>Seller Comment (2022-03-22): Disagree - uploaded Attestation Letter, along with Title Commitment Schedule A & B | 03/23/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 415275919087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage ([redacted]): Points and Fees on subject loan of [Redacted] is in excess of the allowable maximum of [Redacted] of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an allowable total of [Redacted] (an overage of [Redacted] or [Redacted]). |  |  |  |  | Reviewer Comment (2022-04-04): BonaFide Point Breakdown Provided | 04/04/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 415275919087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - [redacted] | Ability to Repay ([redacted]): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Missing Third party verification. |  |  |  | Reviewer Comment (2022-03-08): Received, Clearing.<br>Seller Comment (2022-03-08): The document attached is to cure the finding below. The AUS/guides do not require a WVOE the income for [Redacted] was properly verified with paystubs and W2's. The file also contains a VVOE prior to closing. | 03/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 415275919087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay [redacted]): General Ability-to-Repay requirements not satisfied. | Missing Third party verification. |  |  |  | Reviewer Comment (2022-03-08): Received, Clearing. | 03/08/2022 |  |  | 1 A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 415275919087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation is Safe Harbor QM (APOR |  |  |  | Reviewer Comment (2022-04-04): BonaFide Point Breakdown Provided | 04/04/2022 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 415275919087 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2022-03-03): provided<br>Seller Comment (2022-03-03): Attached VVOE for [redacted] to clear finding. | 03/03/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 415275919087 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-03-22): Received, Clearing.<br>Buyer Comment (2022-03-22): The attachment to the previous condition is dated as [Redacted] but the notes from the processor state the VVOE was completed on [Redacted]the morning of closing. The original form was corrupted and the processors don't have write access to the form to change dates that auto generate<br>Reviewer Comment (2022-03-14): Still not dated dated within [redacted]days of consummation.<br>Seller Comment (2022-03-14): Updated VVOE has been attached.<br>Reviewer Comment (2022-03-03): Still not dated dated within 10 days of consummation.<br>Seller Comment (2022-03-03): The Corrected VVOE has been attached.<br>Reviewer Comment (2022-03-03): dated post closing, not within 10 days of consummation.<br>Seller Comment (2022-03-03): Attached VVOE for [redacted]to clear finding. | 03/22/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 754793703822 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | The guidelines require the hazard insurance to be active for [redacted] days post the closing date, the insurance policy provided expires on [redacted] and the note date is [redacted] . |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 754793703822 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Counseling Requirement) | [redacted] High-Cost Loan: Proof of counseling from HUD-approved nonprofit credit counselor not obtained. | Proof of counseling from HUD-approved nonprofit credit counselor not obtained. |  |  |  | Reviewer Comment (2022-04-12): Received, Note Rate 30 Day<br> [Redacted] [Redacted]<br> [Redacted] [Redacted]<br> From seller for UD Rate and price. Both ways resolve issues. Clearing exception. | 04/12/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery.<br>(Narrow Defense - CHD Approval Required) Within 365 days of closing, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery. B | Non QM | Non QM | No |
| 754793703822 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted] % of the total loan amount. | Lender financed points and fees in excess of [redacted] of the total loan amount. |  |  |  | Reviewer Comment (2022-04-12): Received, Note Rate 30 Day<br> [Redacted] [Redacted]<br> [Redacted] [Redacted]<br> From seller for UD Rate and price. Both ways resolve issues. Clearing exception. | 04/12/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery.<br>(Narrow Defense - CHD Approval Required) Within 365 days of closing, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery. B | Non QM | Non QM | No |
| 754793703822 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. | Verified Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted] % of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] . |  |  |  | Reviewer Comment (2022-04-12): Received, Note Rate 30 Day<br> [Redacted] [Redacted]<br> [Redacted] [Redacted]<br> From seller for UD Rate and price. Both ways resolve issues. Clearing exception.<br>Buyer Comment (2022-04-12): Took a second look at this file when these conditions reopened. Undiscounted rate should be [Redacted] (price of [redacted]). All of the discount the borrower paid would be the cost from undiscounted to locked rate. Doesn't change the ability to exclude [Redacted] in discount<br>Buyer Comment (2022-03-31): Undiscounted rate of [Redacted] meets [redacted]definition of bona fide, permits up to [Redacted] discount to be excluded. [redacted]test passes with discount of [Redacted] excluded. | 04/12/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery.<br>(Narrow Defense - CHD Approval Required) Within 365 days of closing, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery. B | Non QM | Non QM | Yes |
| 754793703822 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided Timely) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower at least [redacted] ([redacted]) business days prior to closing. | The NJ high cost loan notice is not dated and the signature date is the same as the closing date [redacted]. |  |  |  | Reviewer Comment (2022-04-12): Received, Note Rate 30 Day<br> [Redacted] [Redacted]<br> [Redacted] [Redacted]<br> From seller for UD Rate and price. Both ways resolve issues. Clearing exception.<br>Reviewer Comment (2022-03-15): P.L. [redacted]: [redacted]) states that "A creditor shall not make a high-cost home loan unless the creditor has given the following notice, or substantially similar notice, in writing, to the borrower, acknowledged in writing and signed by the borrower not later than the time the notice is required under the notice provision contained in [redacted](c)." Further, [redacted](c) states that "The creditor shall furnish the disclosures required by [redacted] at least three business days prior to consummation of a mortgage transaction covered by [redacted]."<br>Seller Comment (2022-03-15): Searched Our Guidelines<br> FNMA Selling Guide<br> State of [redacted]Ownership - High Price Loan - Attached.<br>Reviewer Comment (2022-03-04): State High Cost Regulation [redacted], CHAPTER [redacted]f)<br>Seller Comment (2022-03-04): We do not see in the guidelines were it has to be within 3 days of closing. | 04/12/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery.<br>(Narrow Defense - CHD Approval Required) Within 365 days of closing, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the high-cost threshold maximum; and (3) proof of delivery. B | Non QM | Non QM | No |
| 776615749895 |  |  |  |  |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  | Lender to provide initial 1003 - not in file. |  |  |  | Reviewer Comment (2022-03-09): Received, Clearing.<br>Seller Comment (2022-03-09): 1003 and proof of receipt of initial disclosure package | 03/09/2022 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage ([redacted]): Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted] % of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted] %). | Higher priced loan. |  |  |  | Reviewer Comment (2022-03-23): Received, Clearing.<br>Reviewer Comment (2022-03-09): Loan Discount - [Redacted]<br> Loan Origination - [Redacted]<br> UW Fee - [Redacted]<br> Total - [Redacted]<br> Max allowed [Redacted]<br>Seller Comment (2022-03-09): Compliance test attached that shows us passing - seems we have a difference of about $[redacted] vs your calculation. Can you provide a further breakdown? | 03/23/2022 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Lender to provide proof of when the homeownership counseling list was provided to the borrowers. |  |  |  | Reviewer Comment (2022-03-04): Received, Clearing.<br>Seller Comment (2022-03-04): Disagree - Application submitted on [Redacted] and Initial Disclosure Package was issued/signed on [Redacted], uploaded Disclosure Center verified RESPA Six Information, signed Initial LE, and DM. | 03/04/2022 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Lender to provide initial loan estimate (app date was [redacted] , initial LE was [redacted] . |  |  |  | Reviewer Comment (2022-03-08): [Redacted] received [Redacted] LE and proof of receipt<br>Seller Comment (2022-03-07): Disagree - Application submitted on [Redacted] and Initial Disclosure Package was issued/signed on [Redacted], uploaded initial LE and DM | 03/08/2022 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Lender to provide proof of when borrowers were provided with list of service providers. |  |  |  | Reviewer Comment (2022-03-08): [Redacted] received SSPL disclosure | 03/08/2022 |  |  | 1 A |  | NC | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | . |  |  |  | Reviewer Comment (2022-03-23): Received, Clearing.<br>Reviewer Comment (2022-03-09): Based on the undiscounted rate provided there are no eligible discount points available to exclude.<br>Seller Comment (2022-03-09): The original condition cited this due to disclosures that were missing. Regardless, undiscounted rate/price = [Redacted]/[Redacted]. locked rate price = [Redacted]/[redacted]. Compliance test attached showing us passing points/fees<br>Reviewer Comment (2022-03-09): Due to QM points and fees exceed allowable. Discount points are reflected so need to following to determine if those points are bona fide:<br> A: Undiscounted/Starting Adjusted Interest Rate: The rate available to the consumer based on a consumer's profile and loan characteristics (after any adjustments for LTV, FICO, etc). <br>B: Undiscounted/Starting Adjusted Interest Rate Price: The percentage of the total Discount Points that were paid to bring the rate to the Undiscounted/Par interest rate. This does NOT include the percentage of the Discount Points on the CD that were actually paid to buy down the Note rate from the Starting Adjusted Rate.<br>Buyer Comment (2022-03-09): 1003, LE and proof of receipt provided to their respective conditions | 03/23/2022 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Lender to provide settlement service provider list to clear this. |  |  |  | Reviewer Comment (2022-03-08): [Redacted] received SSPL disclosure confirming no vendor listed on Final CD and borrower able to shop.<br>Seller Comment (2022-03-08): Disagree - Title Settlement Fee of [Redacted] in Section C borrower shopped no Cure required, uploaded Final CD and SSPL | 03/08/2022 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Lender to provide evidence that the borrower was provided with this document within [redacted] days of application. |  |  |  | Reviewer Comment (2022-03-08): Received , Clearing. | 03/08/2022 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Lender to provide settlement service provider list to clear this. |  |  |  | Reviewer Comment (2022-03-08): [Redacted] received SSPL disclosure confirming no vendor listed on Final CD and borrower able to shop.<br>Seller Comment (2022-03-08): Disagree - Service Charges of [Redacted] not exist; however, Miscellaneous of [Redacted] presents in Section C borrower shopped no Cure required, uploaded Final CD | 03/08/2022 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 776615749895 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Issue is $[redacted] gift - per documents in file it was sent to title but the funds were not reflected on the final CD or in the borrower's account. Funds were excluded pending proof of receipt. Lender to provide corrected final CD verifying the funds were deposited directly to title. |  |  |  | Reviewer Comment (2022-03-02): Received, Clearing.<br>Seller Comment (2022-03-02): Find attached receipt of wire from title and updated final CD with gift funds showing as credit to clear finding. | 03/02/2022 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] received [redacted] . Appraisal fee increased and changed circumstance does not give a valid reason for why. Documentation only states it increased and that value changed which is not a valid reason to increase the fee. Please provide additional information to support why the fee was increased, otherwise cure is due borrower. |  |  |  | Reviewer Comment (2022-03-30): [Redacted] Received PCCD, Letter of Explanation, Copy of check, delivery report for the cure provided.<br>Seller Comment (2022-03-29): Agree - uploaded PCCD, LOE, check and shipping label |  | 03/30/2022 |  | 2 B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 776615749895 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted] (c)(5). |  |  |  |  | Reviewer Comment (2022-03-30): Clearing. | 03/30/2022 |  |  | 1 A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 517461267483 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Lender to provide Lender signed copy of the Fair Market Value Disclosure. |  |  |  | Reviewer Comment (2022-03-21): Received, Clearing.<br>Seller Comment (2022-03-21): Disagree - uploaded acknowledgment of fair market | 03/21/2022 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 517461267483 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | [redacted] Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. | Lender to provide documentation verifying the location of closing. |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 517461267483 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | The underwriting fee increased on the [redacted] CD to $[redacted] , the change of circumstance was provided on [redacted] after the increase and credit was not provided. |  |  |  | Reviewer Comment (2022-03-11): [Redacted] received PCCD, LOE, Proof of delivery & refund check.<br>Seller Comment (2022-03-10): Disagree - PCCD, check, shipping label and LOX uploaded |  | 03/11/2022 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 593704122594 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  |  |  |  |  | Reviewer Comment (2022-03-15): Clearing after re-review. | 03/15/2022 |  |  | 1 C A |  | AK | Investment | Purchase | D C A |  | N/A | No |
| 593704122594 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | AVM in the file doesn't have a FSD Score. |  |  |  | Reviewer Comment (2022-03-28): Received, Clearing. | 03/28/2022 |  |  | 1 D A |  | AK | Investment | Purchase | D C A |  | N/A | No |
| 593704122594 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was BPO and does not support the value used to qualify.; Sec ID: 6[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 C D |  | AK | Investment | Purchase | D C A |  | N/A | No |
| 367522174210 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file was missing documentation for a non-us citizen status |  |  |  | Reviewer Comment (2022-03-16): Received, Clearing. | 03/16/2022 |  |  | 1 C A |  | CT | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 367522174210 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-03-18): Received, Clearing.<br>Seller Comment (2022-03-18): Exception approved. | 03/18/2022 |  |  | 1 D A |  | CT | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 367522174210 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | The file was missing documentation for non-us citizen borrower |  |  |  | Reviewer Comment (2022-03-16): Received, Clearing.<br>Seller Comment (2022-03-16): The loan closed as a ITIN and the guidelines for borrowers residency as [redacted] require a copy of the ITIN assignment document and a valid U.S. government issued I.D. both of which are in the file. | 03/16/2022 |  |  | 1 B A |  | CT | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 367522174210 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | The borrower is missing documentation for his non-us citizen status |  |  |  | Reviewer Comment (2022-03-16): Received, Clearing.<br>Seller Comment (2022-03-16): The loan closed as a ITIN and the guidelines for borrowers residency as [redacted] require a copy of the ITIN assignment document and a valid U.S. government issued I.D. both of which are in the file. | 03/16/2022 |  |  | 1 C A |  | CT | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 367522174210 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 974946465336 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2022-03-16): Received, Clearing.<br>Seller Comment (2022-03-16): Disagree - loan closed as a ITIN and the guidelines for borrowers residency as[redacted] require a copy of the ITIN assignment document and a valid U.S. government issued I.D. both of which were in the file. | 03/16/2022 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 974946465336 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  |  |  |  |  | Reviewer Comment (2022-03-16): Received, Clearing.<br>Seller Comment (2022-03-16): Disagree - loan closed as a ITIN and the guidelines for borrowers residency as [redacted] require a copy of the ITIN assignment document and a valid U.S. government issued I.D. both of which were in the file. | 03/16/2022 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 974946465336 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 377279111753 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-03-11): Sufficient Cure Provided At Closing |  | 03/11/2022 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 647514423014 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Passport and Permanent resident ID card missing in file. |  |  |  | Reviewer Comment (2022-04-07): Received, Clearing.<br>Seller Comment (2022-04-07): We have attached the Permanent Resident ID Card /DL/SS Verification. | 04/07/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 647514423014 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Verification of employment is not within [redacted] days of Note date [redacted] and verification of employment date is [redacted] . |  |  |  | Reviewer Comment (2022-04-22): Received, clearing.<br>Seller Comment (2022-04-22): Per page [redacted] of the guidelines lender certification will suffice.<br>Reviewer Comment (2022-04-07): VVOE provided is post closing and not within 10 days of the note.<br>Seller Comment (2022-04-07): We have attached the VVOE and the VOE. | 04/22/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 106065898028 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Lender to provide flood certificate for transaction (property is not in flood zone per appraisal. |  |  |  | Reviewer Comment (2022-04-22): Received, Clearing.<br>Seller Comment (2022-04-22): The following flood cert is attached to clear the condition. | 04/22/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 106065898028 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Lender to provide purchase contract for transaction (not in file). |  |  |  | Reviewer Comment (2022-04-26): Unable to locate in the original file. Clearing exception.<br>Seller Comment (2022-04-26): Disagree - uploaded purchase contract | 04/26/2022 |  |  | 1 D A |  | CA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 106065898028 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | VVOE required per guides, not in file - lender to provide proof employment <[redacted]days from closing |  |  |  | Reviewer Comment (2022-04-26): Received, Clearing.<br>Seller Comment (2022-04-26): Disagree - uploaded VOE | 04/26/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 106065898028 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing copy of mortgage statement for borrower's investment property verifying PITI of $[redacted] . |  |  |  | Reviewer Comment (2022-04-21): Received, Clearing.<br>Seller Comment (2022-04-21): The [redacted] MTG statement for [Redacted] is attached to clear the finding below. | 04/21/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 106065898028 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | Lender to provide HOI blanket cert for project - not in file. |  |  |  | Reviewer Comment (2022-04-20): Received, Clearing.<br>Seller Comment (2022-04-20): Disagree - hoi docs uploaded | 04/20/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 124058050675 |  |  |  |  |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2022-05-12): Received, Clearing.<br>Seller Comment (2022-05-12): The attached title is to clear the findings below. | 05/12/2022 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 124058050675 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | Sellers Final Closing Disclosure dated [redacted] does not list any seller paid fees and the borrowers final CD does not list any seller paid fees. |  |  |  | Reviewer Comment (2022-05-13): [Redacted] received seller CD.<br>Seller Comment (2022-05-11): Disagree - uploaded seller CD with a date issued of [Redacted] was the CD prepared by title, it is completed and is signed by the Seller. The CD dated [Redacted] is a preliminary CD that was sent to title by the client | 05/13/2022 |  |  | 1 C A |  | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 124058050675 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | OFAC red flag on fraud report |  | The fraud report indicates an OFAC fail status. |  |  |  | Reviewer Comment (2022-05-11): Received, Clearing.<br>Seller Comment (2022-05-11): The attached OFAC clearance is to cure the finding below. The finding was on the external processor. | 05/11/2022 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 610261274676 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 610261274676 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes |
| 610261274676 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes |
| 610261274676 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-04-05): Sufficient Cure Provided At Closing |  | 04/05/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 448198060952 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-04-05): Sufficient Cure Provided At Closing |  | 04/05/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 448198060952 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The verification of hazard insurance was not provided. |  |  |  | Reviewer Comment (2022-04-08): Received, Clearing.<br>Seller Comment (2022-04-08): See attached Mortgage statement showing the insurance was escrowed. | 04/08/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 677421197678 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The compliance report confirms the HPML designation. |  |  |  | Reviewer Comment (2022-05-25): Restated | 05/25/2022 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Non QM | Yes |
| 677421197678 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted] % of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted] %). |  |  |  |  | Reviewer Comment (2022-05-25): Restated<br>Buyer Comment (2022-05-25): Agree on fail - please restate as NQM, that was the intended designation | 05/25/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Non QM | No |
| 677421197678 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Selection on the final closing disclosure has been completed |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Non QM | Yes |
| 677421197678 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is ITIN however US government issued ID not provided | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-04-05): Client elects to waive with comp factors |  |  | 04/05/2022 | 2 B |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Non QM | No |
| 677421197678 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Non QM | No |
| 734832386660 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Transaction date was [redacted] , HOI effective [redacted] . |  |  |  | Reviewer Comment (2022-04-08): Received previous yrs policy, clearing exception.<br>Seller Comment (2022-04-08): The Loan is a [redacted]. I have attached Previous years Policy. | 04/08/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 561435414966 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | B A | Non QM | Non QM | No |
| 561435414966 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | B A | Non QM | Non QM | No |
| 657915518463 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a P&L or the tax returns for [redacted] for the [redacted] . |  |  |  | Reviewer Comment (2022-06-01): Received, Clearing.<br>Seller Comment (2022-06-01): Uploaded P&L statements | 06/01/2022 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 657915518463 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Profit and Loss and statement missing in file triggering Loan designation Higher Priced QM (APOR) fail. |  |  |  | Reviewer Comment (2022-06-01): Received, Clearing. | 06/01/2022 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 657915518463 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - [redacted] | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Third Party Verification from missing in file to verify S-corp income.Profit and Loss statement. |  |  |  | Reviewer Comment (2022-06-01): Received, Clearing. | 06/01/2022 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 657915518463 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - [redacted] | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Third Party Verification from missing in file to verify S-corp income.Profit and Loss statement. |  |  |  | Reviewer Comment (2022-06-01): Received, Clearing. | 06/01/2022 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 657915518463 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  | Reviewer Comment (2022-07-28): Accepted as is |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 657915518463 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a P&L or the tax returns for [redacted] for the partnership's negative income stream deducted from total qualifying income. |  |  |  | Reviewer Comment (2022-06-01): Received, Clearing. | 06/01/2022 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 550828897282 |  |  |  |  |  |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Lender to provide final title cert. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 661105138939 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-04-20): Sufficient Cure Provided At Closing |  | 04/20/2022 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 828276501738 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | Lender to provide VVOE dated within days of note (document in file is >[redacted] days from closing). |  |  |  | Reviewer Comment (2022-05-06): Received, Clearing.<br>Seller Comment (2022-05-06): Disagree - uploaded VOE | 05/06/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 137881445456 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Fee was disclosed on LE as $[redacted] and fee was disclosed on Consumer CD as $[redacted] .There is no cure provided to the borrower .No change of circumstance in file provide the borrower with a post close CD disclosing the tolerance cure of $[redacted] . a copy of refund check ,proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-24): [Redacted] received PCCD, LOE, Proof of delivery & refund check.<br>Seller Comment (2022-05-23): Agree - attached is the PCCD, letter of explanation, a copy of the refund check, and the proof of delivery. |  | 05/24/2022 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 137881445456 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Lender to provide final title cert. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 402366647903 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on[redacted] not accurate. | Lender to provide final CD correctly disclosing the HOA dues of $[redacted] . |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 108327973568 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on[redacted] not accurate. | There is a discrepancy on page 1 of the final CD between the verified monthly escrow payment of $[redacted] and the estimated taxes, insurance and assessments monthly payment in the next section of $[redacted] that was supposed to have been used to determine page 4 costs. There are no HOA or other costs in listed to comprise non-escrowed property costs over [redacted] year of $[redacted] . |  |  |  | Reviewer Comment (2022-07-28): Accepted as is |  |  |  | 2 B |  | CO | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 108327973568 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan closed as a rate and term refinance however the borrower is paying off delinquent property taxes that exceed $[redacted] . |  |  |  | Reviewer Comment (2022-05-02): Received, Clearing.<br>Seller Comment (2022-05-02): Disagree - loan closed as [redacted], uploaded 1008 | 05/02/2022 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 102890128230 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted] % of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted] %). | Loan fails QM due to points and fees. |  |  |  | Reviewer Comment (2022-05-02): Bonafide points breakdown provided. | 05/02/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 102890128230 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan fails QM due to points and fees. |  |  |  | Reviewer Comment (2022-05-02): Bonafide points breakdown provided. | 05/02/2022 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 102890128230 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was not disclosed up front and no lender credits shown on final CD. Lender to make cure to borrower and provide corrected CD. |  |  |  | Reviewer Comment (2022-05-03): [Redacted] upon review received confirmation from seller that LE's from other loan - outside transaction [Redacted] were provided in error, hence after review exception has been cleared.<br>Buyer Comment (2022-05-02): The LEs from any other loan - outside of this transaction [Redacted] - were provided in error. We closed multiple loans for the same borrower and it looks like some docs got mixed up<br>Reviewer Comment (2022-04-29): [Redacted] received duplicate copies of initial LE however, we also have LE dated [Redacted] and[Redacted] in the file. The LEs have different loan IDs. Kindly provide attestation to confirm if they are not for this loan and not provided to the borrower. Exception remains.<br>Seller Comment (2022-04-29): Disagree - UW Fee of [Redacted] was disclosed from [Redacted] Initial LE all the way to Final CD, uploaded Initial LE and Final CD. | 05/03/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 102890128230 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was not disclosed up front and no lender credits shown on final CD. Lender to make cure to borrower and provide corrected CD. |  |  |  | Reviewer Comment (2022-05-03): [Redacted] upon review received confirmation from seller that LE's from other loan - outside transaction [Redacted] were provided in error, hence after review exception has been cleared.<br>Buyer Comment (2022-05-02): The LEs from any other loan - outside of this transaction [Redacted] - were provided in error. We closed multiple loans for the same borrower and it looks like some docs got mixed up<br>Reviewer Comment (2022-04-29): [Redacted] received duplicate copies of initial LE however, we also have LE dated [Redacted] and [Redacted] in the file. The LEs have different loan IDs. Kindly provide attestation to confirm if they are not for this loan and not provided to the borrower. Exception remains.<br>Seller Comment (2022-04-29): Disagree - Appraisal fee of [Redacted] was disclosed on [Redacted] Initial LE all the way to Final CD, uploaded Initial LE and Final CD | 05/03/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 102890128230 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was not disclosed up front and no lender credits shown on final CD. Lender to make cure to borrower and provide corrected CD. |  |  |  | Reviewer Comment (2022-05-03): [Redacted] upon review received confirmation from seller that LE's from other loan - outside transaction [Redacted] were provided in error, hence after review exception has been cleared.<br>Buyer Comment (2022-05-02): The LEs from any other loan - outside of this transaction [Redacted]- were provided in error. We closed multiple loans for the same borrower and it looks like some docs got mixed up<br>Reviewer Comment (2022-04-29): [Redacted] received duplicate copies of initial LE however, we also have LE dated [Redacted] and [Redacted] in the file. The LEs have different loan IDs. Kindly provide attestation to confirm if they are not for this loan and not provided to the borrower. Exception remains.<br>Seller Comment (2022-04-29): Disagree - credit report fee in the amount of [Redacted] was disclosed on the Initial LE for two separate 1003 borrowers, adjusted to [Redacted] to reflect invoices on the CD, uploaded Credit Report invoices and Initial LE. | 05/03/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 885478358379 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing [redacted] bank statement ending [redacted] for calculation of bank statement income |  |  |  | Reviewer Comment (2022-05-02): Received, Clearing.<br>Seller Comment (2022-05-02): Exception approved. | 05/02/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 885478358379 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [redacted] did disclose why the loan will not have an escrow account. |  |  |  | Reviewer Comment (2022-05-11): [Redacted] Received PCCD and LOE<br>Seller Comment (2022-05-10): Disagree - uploaded PCCD and LOX regarding correction to CD page 4, no escrow account box reason checked- Borrower Declined escrow account. |  | 05/11/2022 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 885478358379 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year [redacted] Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on [redacted] not accurate. | Estimated Property Costs over Year 1 of [redacted] not accurate as property taxes were verified as $[redacted] (PP [redacted] x tax rate of [redacted] % from tax bill / [redacted] + special assessments of $[redacted]). Provide evidence of alternative calculation or corrected PCCD and letter of explanation to cure. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 885478358379 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The Bank Statement income was based on [redacted] months with a Fixed Expense Ratio of [redacted] |  |  |  | Reviewer Comment (2022-05-18): Loan is SHQM (APOR). | 05/18/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 885478358379 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | The Bank Statement income was based on [redacted]months with a Fixed Expense Ratio of [redacted] |  |  |  | Reviewer Comment (2022-06-17): EV2-B<br>Reviewer Comment (2022-06-17): Initial grade regrade to EV2B<br>Reviewer Comment (2022-06-17): Intiial Grade Regrade to EV2-B |  |  |  | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 885478358379 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | The Bank Statement income was based on [redacted] months with a Fixed Expense Ratio of [redacted] |  |  |  | Reviewer Comment (2022-06-17): EV2-B<br>Reviewer Comment (2022-06-17): Initial grade regrade to EV2B<br>Reviewer Comment (2022-06-17): Intiial Grade Regrade to EV2-B<br>Reviewer Comment (2022-05-02): Missing [redacted]bank statement ending [Redacted] for calculation of bank statement income<br>Seller Comment (2022-05-02): The attached CPA letters and business license are to clear the finding below. |  |  |  | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 885478358379 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | Missing evidence of [redacted] gift receipt |  |  |  | Reviewer Comment (2022-05-18): Received, Clearing.<br>Reviewer Comment (2022-05-10): Wire is [Redacted] and donor is [Redacted]. not the same.<br>Seller Comment (2022-05-10): Disagree - donor matches<br>Reviewer Comment (2022-05-03): Donor on gift letter does not match donor on the wire transfer. Exception remains<br>Seller Comment (2022-05-03): See attached evidence of receipt of [Redacted] gift funds and the Donors proof of the wire transfer. | 05/18/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 417294750989 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1[redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the amount of HOA dues as [redacted]and the HOA total is [redacted].The Estimated taxes Insurance & Assessments on page 1 is monthly correct amount is [redacted] [redacted]provide a post closing CD correcting escrow section and Estimated taxes Insurance & Assessments on page 1 and a letter of explanation letter to the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-28): Accepted as is |  |  |  | 2 B |  | OR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 417294750989 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted]exceeds tolerance of [redacted]plus [redacted]% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Recording fees was disclosed on LE as [redacted]and on CD as [redacted]a cure was provided to the Borrower. |  |  |  | Reviewer Comment (2022-05-02): Sufficient Cure Provided At Closing |  | 05/02/2022 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 417294750989 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fees was disclosed on LE as [redacted] and on CD as [redacted]a cure was provided to the Borrower. |  |  |  | Reviewer Comment (2022-05-02): Sufficient Cure Provided At Closing |  | 05/02/2022 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222220283525 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]incorrectly disclosed whether the loan will have an escrow account. | Page 4 of the final CD, missing either box checked for: "you declined" or "your lender does not offer one", regarding will not have an escrow account. |  |  |  | Reviewer Comment (2022-05-05): [Redacted] Received PCCD and LOE.<br>Seller Comment (2022-05-04): Disagree - uploaded PCCD and LOX |  | 05/05/2022 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 996532172257 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redacted] exceeds tolerance of [Redacted] plus [Redacted] or [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-03): Sufficient Cure Provided At Closing |  | 05/03/2022 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 607894761806 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Loan qualified using [redacted] month bank statement income, [redacted]% business ownership with a [redacted]% fixed expense ratio. |  |  |  | Reviewer Comment (2022-07-28): Accepted as is<br>Reviewer Comment (2022-06-17): EV2-B<br>Reviewer Comment (2022-06-17): Initial grade regrade to EV2B<br>Reviewer Comment (2022-06-17): Intiial Grade Regrade to EV2-B |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 999711265939 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-07-28): Accepted as is<br>Reviewer Comment (2022-06-17): EV2-B<br>Reviewer Comment (2022-06-17): Initial grade regrade to EV2B<br>Reviewer Comment (2022-06-17): Intiial Grade Regrade to EV2-B |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 999711265939 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Closing disclosure does not disclose why the Borrower does not have an Escrow account. |  |  |  | Reviewer Comment (2022-05-23): [Redacted] received Post CD and LOX.<br>Seller Comment (2022-05-20): Disagree - uploaded PCCD and LOX |  | 05/23/2022 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 999711265939 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | No Escrow account in file. |  |  |  | Reviewer Comment (2022-07-28): Accepted as is |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 835558888646 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  |  |  |  |  | Reviewer Comment (2022-05-23): Received, Clearing.<br>Seller Comment (2022-05-23): Effective Date is [Redacted] same as Disbursement Date. | 05/23/2022 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 835558888646 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  |  | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-05-16): Client elects to waive with compensating factors |  |  | 05/16/2022 | 2 B |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 869289038008 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Lender to provide sales contract for transaction. |  |  |  | Reviewer Comment (2022-06-10): Received, Clearing.<br>Seller Comment (2022-06-10): Uploaded purchase contract | 06/10/2022 |  |  | 1 D A |  | NY | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 869289038008 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-17): EV2-B<br>Reviewer Comment (2022-06-17): Initial grade regrade to EV2B<br>Reviewer Comment (2022-06-17): Intiial Grade Regrade to EV2-B<br>Reviewer Comment (2022-06-08): Regraded.<br>Seller Comment (2022-06-07): The bank statements are from [Redacted], should be able to be verified by a third party.; SM-Email from CDM on [Redacted] at [Redacted]; |  |  |  | 2 C B |  | NY | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 869289038008 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-17): EV2-B<br>Reviewer Comment (2022-06-17): Initial grade regrade to EV2B<br>Reviewer Comment (2022-06-17): Intiial Grade Regrade to EV2-B<br>Reviewer Comment (2022-06-08): Regraded.<br>Seller Comment (2022-06-07): The bank statements are from [Redacted], should be able to be verified by a third party.; SM-Email from CDM on [Redacted] at [Redacted]; |  |  |  | 2 C B |  | NY | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 869289038008 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Verified Loan Designation is Safe Harbor QMBank statement income based on [redacted] months' statements and expense factor of [redacted] |  |  |  | Reviewer Comment (2022-06-08): SHQM (APOR)<br>Seller Comment (2022-06-07): The bank statements are from [Redacted], should be able to be verified by a third party.; SM-Email from CDM on [Redacted] at [Redacted]; | 06/08/2022 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 869289038008 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]incorrectly disclosed whether the loan will have an escrow account. | Lender to provide corrected final CD showing escrows were waived at the borrower's request (left blank on final document in file). |  |  |  | Reviewer Comment (2022-06-07): [Redacted] received post CD and LOX.<br>Seller Comment (2022-06-06): Uploaded PCCD and LOX for clerical correction to CD page 4, no escrow account box checked- Borrower Declined escrow account |  | 06/07/2022 |  | 2 C B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 869289038008 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. | First CD was provided on [redacted], day of closing. |  |  |  | Reviewer Comment (2022-06-09): [Redacted] received [redacted] CD<br>Seller Comment (2022-06-07): Uploaded ICD with DocMagic disclosure detail. | 06/09/2022 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 869289038008 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lender to provide: a) for [redacted], proof of HOI and HOA; b) [redacted], proof of HOI and HOA; c) for [redacted] of HOI and HOA; d) for [redacted], proof of taxes and insurance; e) for [redacted], proof of taxes, HOA and insurance; f) for [redacted], proof of HOI and HOA; g) for [redacted], proof of taxes, HOI and HOA; h) for [redacted], proof of insurance and HOA dues; i) for [redacted], proof of HOI and HOA; j) for [redacted], proof of HOI/HOA; k) for [redacted], proof of HOI/HOA; l) for [redacted], proof of HOI/HOA. |  |  |  | Reviewer Comment (2022-06-06): Received, Clearing.<br>Seller Comment (2022-06-06): Uploaded REO docs | 06/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 375002161215 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-03): Sufficient Cure Provided At Closing |  | 06/03/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 406352004829 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted]on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of [redacted]or [redacted]). |  |  |  |  | Reviewer Comment (2022-06-20): Received, Clearing.<br>Seller Comment (2022-06-16): Rebut: please see attached Undiscounted Rate, APOR & Bona Fide Discount, and QM [Redacted] worksheet.<br>Reviewer Comment (2022-06-15): Provide evidence of undiscounted rate and fee in order to determine bona fide points<br>Seller Comment (2022-06-14): Disagree - No Cure required. [Redacted] of discount points are eligible for bona fide and can be excluded from the Points & Fees calculation | 06/20/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 406352004829 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation is Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2022-06-20): Loan is SHQM (APOR).<br>Reviewer Comment (2022-06-15): Provide evidence of undiscounted rate and fee in order to determine bona fide points<br>Seller Comment (2022-06-14): Disagree - No Cure required. [Redacted] of discount points are eligible for bona fide and can be excluded from the Points & Fees calculation | 06/20/2022 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 406352004829 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-20): Bank Statement income was based on [redacted] months with a fixed expense ratio of [Redacted] |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 895961066197 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] is less than amount of binding Lender Credit previously disclosed in the amount of [redacted]. | Final Lender Credit of [redacted] is less than amount of binding Lender Credit previously disclosed in the amount of [redacted]. The file contains a valid changed circustmace to decrease loan amount impacting pricing and lender credits. |  |  |  | Reviewer Comment (2022-06-21): [Redacted] CD with COC provided in trailing<br>Seller Comment (2022-06-20): No cure needed. Loan amount increased on [Redacted] which changed the LTV and thus changed pricing. Loan amount was brought back down to keep the LTV in line and a cure added to the[Redacted] CD<br>Reviewer Comment (2022-06-13): Loan file shows [Redacted] CD that changes pricing. No CD located in loan file that is within the [Redacted]tolerance to allow for the pricing change. Please provide cure.<br>Seller Comment (2022-06-09): [Redacted] CD was issued/signed for Loan Amount decreased, thus Lender Credit was adjusted to reflect, uploaded Final LE and [Redacted] CD | 06/21/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 895961066197 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted]on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-10): [Redacted] Sufficient cure was provided at closing<br>Seller Comment (2022-06-09): Cure of [Redacted] for appraisal fee was applied on the CD under Lender Credit in Section J. | 06/10/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 895961066197 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted] Constitution Section 50(a)(6): [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. |  |  |  |  | Reviewer Comment (2022-06-09): Received, Clearing.<br>Seller Comment (2022-06-09): [Redacted] 1003 was issued/signed for closing date of [Redacted], uploaded 1003 | 06/09/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 895961066197 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2022-06-20): Received, Clearing.<br>Seller Comment (2022-06-20): Uploaded fair market acknowledgment, LOX and shipping label | 06/20/2022 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 895961066197 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-21): Sufficient Cure Provided At Closing |  | 06/21/2022 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 729569031686 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | The loan is qualified using [redacted] months bank statement income with a [redacted] expense ratio. |  |  |  | Reviewer Comment (2022-06-21): Regraded.<br>Buyer Comment (2022-06-21): Can you please show this as accepted, instead of rejected? The regrading already occurred.<br>Reviewer Comment (2022-06-20): This has been regraded.<br>Buyer Comment (2022-06-20): Please update finding as stated in your comments, the other issues have been resolved.<br>Reviewer Comment (2022-06-20): The loan is qualified using [Redacted] bank statement income with a [Redacted] fixed expense ratio.<br>Reviewer Comment (2022-06-10): This will be resolved when asset and reserve exception is resolved.<br>Seller Comment (2022-06-10): Income calc showing [Redacted] used in file, see attached for faster review |  |  |  | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 729569031686 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Verified Loan Designation of safe Harbor QM |  |  |  | Reviewer Comment (2022-06-20): Loan is SHQM (APOR). | 06/20/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 729569031686 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified assets in the amount of [redacted] months PITIA are insufficient to meet reserves requirement of [redacted] months PITIA due to missing gift funds receipt verification. |  |  |  | Reviewer Comment (2022-06-15): All gifts verified, exception cleared | 06/15/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 679228238361 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | For [redacted], lender to provide: 1) tax cert that identifies property (document in file does not show address), and 2) current lease for property - [redacted] was provided but per FNMA not usable for non subject property rental income. |  |  |  | Reviewer Comment (2022-07-15): Received,, Clearing.<br>Seller Comment (2022-07-15): Please see attached lease, borrower had to do some renovations after purchase. Lease shows [Redacted] rent and only used [Redacted] to qualify.<br>Reviewer Comment (2022-06-07): Would need exception for the violation from the buyer.<br>Seller Comment (2022-06-07): REO was purchased on [Redacted] and subject loan closed on [Redacted], with this short time frame borrower does not have a lease available and so 1007 was used as a satisfactory replacement. Only [redacted]% of the possible rental rate was used to qualify | 07/15/2022 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 161138793305 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-17): EV2-B<br>Reviewer Comment (2022-06-17): Initial grade regrade to EV2B<br>Reviewer Comment (2022-06-17): Intiial Grade Regrade to EV2-B |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 161138793305 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | [redacted] Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 272689006175 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-17): EV2-B<br>Reviewer Comment (2022-06-17): Initial grade regrade to EV2B<br>Reviewer Comment (2022-06-17): Intiial Grade Regrade to EV2-B |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 862796843368 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed Expense Ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Seller Comment (2022-06-16): Invalid, verification docs are in file from [redacted], [redacted], [redacted], Processor verification, and Income calc, attached again for faster review. When acceptable please clear both compliance findings for this file. |  |  |  | 2 C B |  | OR | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 862796843368 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2022-06-17): HPQM(APOR)<br>Buyer Comment (2022-06-16): Related to exception [Redacted]. Please clear after review. | 06/17/2022 |  |  | 1 B A C |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 657016544612 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted](an overage of [redacted] or [redacted]). | Missing evidence of undiscounted interest rate and price |  |  |  | Reviewer Comment (2022-06-22): Restated<br>Seller Comment (2022-06-22): Undiscounted Rate [Redacted]/[Redacted] Meets QM Points and fees - does not exceed [redacted]% threshold - eligible to exclude [Redacted]bona fide discount points [Redacted]. This is a Non-QM loan. | 06/22/2022 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 657016544612 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Missing evidence of undiscounted interest rate and price |  |  |  | Reviewer Comment (2022-06-22): Restated<br>Seller Comment (2022-06-22): This is a Non-QM loan, therefore, Safe Harbor does not apply | 06/22/2022 |  |  | 1 B A C |  | TN | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 657016544612 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-15): Sufficient Cure Provided At Closing |  | 06/15/2022 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 657016544612 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 A B |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 837224882121 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-21): Regraded.<br>Seller Comment (2022-06-21): Uploaded CPA letter within 10 business days of the note |  |  |  | 2 C B |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 837224882121 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation | CD issue [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2022-07-15): [Redacted] received proof of receipt.<br>Seller Comment (2022-07-13): Response: Please see attached COC with CD dated [Redacted] wet signed by the borrower, which was received and executed at least 3 days prior to the closing - Executed Final CD [Redacted]. This should clear the timing issue per proof of receipt.<br>Reviewer Comment (2022-07-05): [Redacted]received [Redacted] Final CD. Final CD issued [Redacted] was again received. However, the issue is regarding the [Redacted] CD had a change in APR over .[Redacted] for which we did not have proof of receipt by borrower within 3 business days of closing. The [Redacted] CD reflects APR of [Redacted]. The next CD issued [Redacted] then disclosed an APR of [Redacted] which changed over .[redacted]% and requires that borrower has received that CD at least 3 business days prior to closing. The[Redacted] CD does not have proof of receipt and so the mailbox rule is in effect which would have a receipt date of [Redacted] which is not 3 business days prior to closing date. Provide proof of receipt of at least 3 business days prior to closing for the change in APR.<br>Seller Comment (2022-06-30): Final CD is dated the same day as the note, [Redacted], uploaded CD and receipts<br>Reviewer Comment (2022-06-28): The [Redacted] CD, does not show a date received. Please provide proof of receipt for the [Redacted] CD as mail box rule indicates the[Redacted] CD was not received timely.<br>Seller Comment (2022-06-24): Final CD is dated the same day as the note, [Redacted]. Attached Final CD and Preliminary estimated CD on [redacted].<br>Reviewer Comment (2022-06-23): Please provide proof of date of receipt for the CD dated [Redacted] for testing.<br>Seller Comment (2022-06-21): Uploaded Final CD is dated the same day as the note, [Redacted] | 07/15/2022 |  |  | 1 C A |  | CA | Second Home | Purchase | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 837224882121 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2022-06-21): SHQM (APOR)<br>Seller Comment (2022-06-21): Valid third party verification of business has been attached. | 06/21/2022 |  |  | 1 B A C |  | CA | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 968304848284 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Missing copy of previous insurance policy | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-06-16): Client elects to waive with compensating factors |  |  | 06/16/2022 | 2 C B |  | CO | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 968304848284 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Loan qualified using [redacted] month bank statement income with a [redacted] fixed expense ratio. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-29): Regraded.<br>Seller Comment (2022-06-29): Uploaded VVOE |  |  |  | 2 C B |  | CO | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 968304848284 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Loan qualified using [redacted] month bank statement income with a [redacted] fixed expense ratio. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-29): Regraded.<br>Seller Comment (2022-06-29): Uploaded VVOE |  |  |  | 2 C B |  | CO | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 968304848284 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation is Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2022-06-29): Loan is SHQM(APOR). | 06/29/2022 |  |  | 1 B A C |  | CO | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 968304848284 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Earnest money funds to purchase property was from business funds and CPA letter was not provided. Prefunding exception approval on file contingent upon receiving a letter of explanation from borrower. | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-06-15): Prefunding exception approval, waived with compensating factors |  |  | 06/15/2022 | 2 B |  | CO | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 876812860775 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-27): Regraded.<br>Seller Comment (2022-06-27): CPA Letter dated [Redacted] was in the file See Attached |  |  |  | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 876812860775 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-27): Loan is SHQM(APOR).<br>Buyer Comment (2022-06-27): "Trigger" from Credit Finding Please Clear | 06/27/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 876812860775 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing evidence of agency ineligibility |  |  |  | Reviewer Comment (2022-06-27): Received, Clearing.<br>Seller Comment (2022-06-27): Rebut UW Cert of Ineligibility was in file See Attached | 06/27/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 861463326395 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Lender to provide [redacted] and YTD [redacted] P/L for [redacted] (the [redacted] entity). |  |  |  | Reviewer Comment (2022-06-21): Received, Clearing.<br>Seller Comment (2022-06-21): Please see attached extension for the LP and 2 sets of P&Ls, one for [Redacted], one for [Redacted]. All documents are already in file, attached for faster review.<br>Reviewer Comment (2022-06-20): Received was for [Redacted] we need for [Redacted].<br>Seller Comment (2022-06-20): Invalid, proof of business taxes extension and YTD signed P&Ls in file, visionet page [Redacted] and [Redacted], attached for faster review | 06/21/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 861463326395 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Lender to provide two months' most recent [redacted] statements for x[redacted]. |  |  |  | Reviewer Comment (2022-06-22): Received, Clearing.<br>Seller Comment (2022-06-22): Attached 2 months [Redacted] stmts | 06/22/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 861463326395 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | Lender to provide [redacted] and YTD [redacted] P/L fo [redacted] (the [redacted] entity). |  |  |  | Reviewer Comment (2022-06-21): Received, Clearing.<br>Buyer Comment (2022-06-21): Uploaded correct business to credit finding<br>Reviewer Comment (2022-06-20): Received was for [Redacted] we need for [Redacted].<br>Buyer Comment (2022-06-20): Remedy uploaded under credit finding | 06/21/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 861463326395 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Lender to provide [redacted] and YTD [redacted] P/L for [redacted] (the [redacted] entity). |  |  |  | Reviewer Comment (2022-06-21): Received, Clearing.<br>Buyer Comment (2022-06-21): Uploaded correct business to credit finding<br>Reviewer Comment (2022-06-20): Received was for [Redacted] we need for [Redacted]<br>Buyer Comment (2022-06-20): Remedy uploaded under credit finding | 06/21/2022 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 178773745014 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]is in excess of the allowable maximum of [redacted]of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of $[redacted] (an overage of [redacted] or [redacted]). | Missing evidence of undiscounted interest rate and price to determine if any part of discount points are bone fide |  |  |  | Reviewer Comment (2022-06-24): Received, Clearing.<br>Buyer Comment (2022-06-24): undiscounted rate/price of [Redacted] | 06/24/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 178773745014 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee was disclosed on LE as [redacted] and on Closing Disclosure as [redacted] a cure for [redacted] was provided. |  |  |  | Reviewer Comment (2022-06-16): Sufficient Cure Provided At Closing |  | 06/16/2022 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 178773745014 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation missing due to Third party verification. |  |  |  | Reviewer Comment (2022-06-24): QM<br>Seller Comment (2022-06-22): Based on the rate stack, the loan passes the QM [Redacted] Points & Fees with the benefit of excluding one discount based on the undiscounted rate. | 06/24/2022 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 212440933824 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-06-16): Sufficient Cure Provided At Closing |  | 06/16/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 212440933824 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing copy of [redacted] and [redacted] 1065 tax documents. All documentation is subject to review and additional requirements may apply. |  |  |  | Reviewer Comment (2022-06-21): Received, Clearing.<br>Seller Comment (2022-06-21): Documents attached. | 06/21/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 212440933824 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing P&L signed and dated by the borrower for [redacted] Investors ending [redacted]. |  |  |  | Reviewer Comment (2022-06-20): Received, Clearing.<br>Seller Comment (2022-06-20): Uploaded P&L sheets | 06/20/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 212440933824 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verification of [redacted] months housing history is missing for [redacted] as now lives rent free and letter provided due to sale of primary residence. Lender Exception approval provided with comp factors:<br> Reserves; same job; Equity; etc. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-06-16): Pre-funding exception approved, waived with compensating factors. |  |  | 06/16/2022 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 212440933824 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date[redacted], Tax Return Due Date [redacted]. |  |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Reviewer Comment (2022-06-22): The filing of an extension is a requirement by the IRS when the tax returns are not filed timely. The [redacted] level exception is cited to make it clear the income used to qualify is over a year old and the due date of the current tax return has already passed<br>Seller Comment (2022-06-22): Uploaded 1065s |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 722842258802 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | VOE not provided for both previous employers, as prior employment was not for the entire year of [redacted] both are needed. [redacted] is asking for [redacted] and [redacted] from the prior year in which we only have [redacted] from [redacted]. but are missing it from [redacted]. |  |  |  | Reviewer Comment (2022-07-13): Received, Clearing.<br>Seller Comment (2022-07-13): Uploaded W2s | 07/13/2022 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 722842258802 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | VOE not provided for both previous employers, as prior employment was not for the entire year of [redacted] both are needed. |  |  |  | Reviewer Comment (2022-07-13): Received, Clearing.<br>Seller Comment (2022-07-13): Uploaded W2s | 07/13/2022 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 368462848188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank[redacted]): Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total[redacted]on a Federal Total Loan Amount of[redacted] vs. an allowable total of [redacted] (an overage of[redacted] or [redacted]). |  |  |  |  | Reviewer Comment (2022-07-01): Received, Clearing.<br>Seller Comment (2022-07-01): The loan passes the QM [Redacted] threshold with the exclusion of 2 bona fide discount points based on the undiscounted rate of [Redacted], uploaded rate stack | 07/01/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 368462848188 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Start/End date of previous employment not verified. |  |  |  | Reviewer Comment (2022-06-28): Prior employement.<br>Seller Comment (2022-06-28): Uploaded tax transcripts and VVOE | 06/28/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 368462848188 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Start/End date of previous employment not verified. |  |  |  | Reviewer Comment (2022-06-28): Prior employment.<br>Seller Comment (2022-06-28): Uploaded VVOE and tax transcripts | 06/28/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 368462848188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | QM failure due to missing verification of employment to establish employment history. |  |  |  | Reviewer Comment (2022-07-01): Received, Clearing. | 07/01/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 368462848188 |  |  |  |  |  |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Minimum requirement per guidelines. | The representative FICO score is above [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-06-27): Pre-funding exception for tradelines. |  |  | 06/27/2022 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 605119565540 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-21): Sufficient Cure Provided At Closing |  | 06/21/2022 |  | 1 A |  | TX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 130100323696 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of (Redacted) is in excess of the allowable maximum of (Redacted) of the Federal Total Loan Amount. Points and Fees total (Redacted) on a Federal Total Loan Amount of (Redacted) vs. an allowable total of (Redacted) (an overage of (Redacted) or .(Redacted)). |  |  |  |  | Reviewer Comment (2022-06-28): Restated.<br>Buyer Comment (2022-06-28): Please reinstate to [Redacted] | 06/28/2022 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 130100323696 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Verification of Safe Harbor QM (APOR) not met due to DTI variance and points and fees. |  |  |  | Reviewer Comment (2022-06-28): Restated.<br>Buyer Comment (2022-06-28): Please reinstate to [Redacted] | 06/28/2022 |  |  | 1 B A C |  | GA | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 130100323696 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client elects to restate designation to NonQM |  |  |  |  |  |  |  | 2 A B |  | GA | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 150983391182 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an allowable total of [Redacted] (an overage of[Redacted] or [redacted]). | Missing evidence of undiscounted interest rate and price to determine if any portion of discount points is considered bona fide |  |  |  | Reviewer Comment (2022-07-05): Restated.<br>Seller Comment (2022-07-05): Undiscounted Rate is [Redacted]. | 07/05/2022 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 150983391182 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Missing evidence of undiscounted interest rate and price to determine if any portion of discount points is considered bona fide |  |  |  | Reviewer Comment (2022-07-05): Restated.<br>Buyer Comment (2022-07-05): Please reinstate to [Redacted] | 07/05/2022 |  |  | 1 B A C |  | NY | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 150983391182 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per Freddie Mac guidelines, Withdrawals of assets from the business may have a negative impact on the ability of the business to continue operating. When business assets are being used for the Down Payment, Closing Costs and/or reserves, the Seller must determine that the withdrawal of the funds will not have a detrimental effect on the business. In addition to a review and analysis of the personal and business tax returns, the Seller may review and analyze the current financial statement and/or the last three months of the business bank statements to confirm the deposits, withdrawals and balances are supportive of a viable business and are aligned with the level and type of income and expenses reported on the business tax returns. |  |  |  | Reviewer Comment (2022-06-24): Received, Clearing.<br>Seller Comment (2022-06-24): CPA Letter that states the use of business funds will not adversely affect the business operations. | 06/24/2022 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 150983391182 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated. |  |  |  |  |  |  |  | 2 A B |  | NY | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 694315312914 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | The Bank Statement income was based on [Redacted] with a Fixed Expense Ratio of [Redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 694315312914 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Borrower did not acknowledge that they received an appraisal and there is no notice of Appraisal in file. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 112056266946 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-23): Sufficient Cure Provided At Closing |  | 06/23/2022 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 112056266946 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Verified Loan Designation of Safe Harbor QM |  |  |  | Reviewer Comment (2022-06-27): Received, Clearing.<br>Seller Comment (2022-06-27): Updated 1008 with fixed DTI (added BR2 Income) | 06/27/2022 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 112056266946 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2022-06-27): Received, Clearing.<br>Seller Comment (2022-06-27): Updated 1008 with fixed DTI (added BR2 Income) | 06/27/2022 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 112056266946 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Max DTI is[redacted] and exceed guideline requirements with the LTV over[redacted]. |  |  |  | Reviewer Comment (2022-06-27): Received, Clearing.<br>Seller Comment (2022-06-27): Updated 1008 with fixed DTI (added BR2 Income) | 06/27/2022 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 112056266946 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2022-06-27): Received, Clearing.<br>Seller Comment (2022-06-27): Updated 1008 with fixed DTI (added BR2 Income) | 06/27/2022 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776317655251 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - [redacted]Less Than [redacted]Percent | General QM: Unable to verify K-1 (Less than[redacted]Ownership) income using reasonably reliable third-party records. | Lender to provide[redacted] P/L for [redacted]. |  |  |  | Reviewer Comment (2022-07-13): Income documents meet guideline requirements.<br>Reviewer Comment (2022-07-13): Exception is for [Redacted] and [Redacted] is what was received. Exception remains.<br>Seller Comment (2022-07-13): Uploaded CPA documentation<br>Reviewer Comment (2022-07-12): This exception is set due to missing [redacted] K-1 for business less than [Redacted]. Exception remains<br>Seller Comment (2022-07-12): Signed and Dated [redacted] business returns for [Redacted]<br>Reviewer Comment (2022-07-11): Business returns received however they are not signed/dated. Exception remains<br>Seller Comment (2022-07-11): [redacted] business returns for [Redacted]<br>Reviewer Comment (2022-06-28): Missing the [redacted] or [redacted] extension<br>Seller Comment (2022-06-28): Uploaded [redacted] extension<br>Reviewer Comment (2022-06-24): Missing the [redacted] business return or extension<br>Seller Comment (2022-06-24): P&L statements for borrower's businesses. | 07/13/2022 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776317655251 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - [redacted] | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Lender to provide[redacted]P/L for [redacted] |  |  |  | Reviewer Comment (2022-07-12): Signed and dated tax returns received<br>Seller Comment (2022-07-12): Signed and Dated [redacted] business returns for [Redacted]<br>Reviewer Comment (2022-07-11): Business returns received however they are not signed/dated. Exception remains<br>Seller Comment (2022-07-11): [redacted] business returns for [Redacted]<br>Reviewer Comment (2022-06-28): Missing the [redacted] or [redacted] extension<br>Seller Comment (2022-06-28): Uploaded [redacted] extension<br>Reviewer Comment (2022-06-24): Missing the [redacted] business return or extension<br>Seller Comment (2022-06-24): P&L statements for borrower's businesses. | 07/12/2022 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 776317655251 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee out of tolerance with sufficient cure. |  |  |  | Reviewer Comment (2022-06-23): Sufficient Cure Provided At Closing |  | 06/23/2022 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 776317655251 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Due to missing income documents. |  |  |  | Reviewer Comment (2022-07-13): SHQM (APOR)<br>Reviewer Comment (2022-07-13): Exception is for [Redacted] and [Redacted] is what was received. Exception remains.<br>Seller Comment (2022-07-12): Signed and Dated [redacted] business returns for [Redacted]<br>Reviewer Comment (2022-07-11): Business returns received however they are not signed/dated. Exception remains<br>Seller Comment (2022-07-11): [redacted] business returns for[Redacted]<br>Reviewer Comment (2022-06-28): Received individual tax return extension. Missing the [redacted] or [redacted] extension<br>Seller Comment (2022-06-28): Uploaded [redacted]extension<br>Reviewer Comment (2022-06-24): Missing the [redacted] business returns or extensions<br>Seller Comment (2022-06-24): P&L statements for borrower's businesses. | 07/13/2022 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 438382297261 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted]of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of $[redacted] (an overage of [redacted] or [redacted]). |  |  |  |  | Reviewer Comment (2022-07-05): Received, Clearing.<br>Seller Comment (2022-07-05): Undiscounted Rate is [Redacted]. | 07/05/2022 |  |  | 1 C A |  | TX | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 438382297261 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Verified Loan Designation of Safe Harbor QM |  |  |  | Reviewer Comment (2022-07-05): Received, Clearing.<br>Buyer Comment (2022-07-05): Please reinstate to NQM | 07/05/2022 |  |  | 1 B A C |  | TX | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 501774516174 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | The Bank Statement income was based on [redacted] months with a Fixed Expense Ratio of[redacted]. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | CA | Primary | Refinance - Limited Cash-out GSE | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 396272468839 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total[redacted] on a Federal Total Loan Amount of[redacted]08 vs. an allowable total of [redacted](an overage of[redacted] or [redacted]). |  |  |  |  | Reviewer Comment (2022-07-01): Received, Clearing.<br>Buyer Comment (2022-07-01): undiscounted rate/price: [Redacted]. 1 point can be excluded, test passes with bona fide points | 07/01/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 396272468839 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2022-07-11): SHQM (APOR)<br>Buyer Comment (2022-07-01): undiscounted rate/price [Redacted] - loan passes with bona fide points | 07/11/2022 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 396272468839 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income based on [redacted] months of bank statements and a CPA letter reflecting an expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-07-11): Regraded.<br>Seller Comment (2022-07-08): Invalid, Proof of business, ownership and calculation are in file. [redacted] pages [redacted], [redacted]and [redacted], attached for faster review |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 936595250181 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing verification of insurance. |  |  |  | Reviewer Comment (2022-06-28): Received, Clearing.<br>Buyer Comment (2022-06-28): Verified Property is Comm. HOI is paid by the business: Please Clear. | 06/28/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 936595250181 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan qualified using [redacted] month bank statement income with a[redacted]expense ratio. |  |  |  | Reviewer Comment (2022-06-28): Loan designation overridden to SHQM (APOR). | 06/28/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 936595250181 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank Statement income was based on [redacted] months with a Fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 922482675931 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ |  |  |  |  | Reviewer Comment (2022-07-14): Received, Clearing.<br>Seller Comment (2022-07-14): Disagree - this is a [redacted]loan that disbursed on[Redacted] and insurance is dated the same day | 07/14/2022 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 759983891133 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | The Bank Statement income was based on [redacted] months with a Fixed Expense Ratio of[redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 962025443172 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Bank statement income based on [redacted]months' statements and expense factor of [redacted] |  |  |  | Reviewer Comment (2022-07-06): SHQM(APOR)<br>Buyer Comment (2022-07-06): Doc type is acceptable, this should be regraded to a 2 | 07/06/2022 |  |  | 1 B A C |  | CA | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 962025443172 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Income | General QM: Unable to verify bank statement income using reasonably reliable third-party records. | Bank statement income based on [redacted] months with a fixed expense ratio of [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is<br>Buyer Comment (2022-07-06): Doc type is acceptable, this should be regraded to a 2 |  |  |  | 2 C B |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 962025443172 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 209521974567 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Creditor provided FACTA Credit Score Disclosure on [redacted] |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | CT | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 209521974567 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation failing due to high points and fee |  |  |  | Reviewer Comment (2022-07-08): Restated.<br>Buyer Comment (2022-07-08): Please reinstate to NQM | 07/08/2022 |  |  | 1 B A C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 209521974567 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted]is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of[redacted] or [redacted]). | Verified Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of[redacted] of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of[redacted] (an overage of[redacted] or [redacted]). |  |  |  | Reviewer Comment (2022-07-08): Restated. | 07/08/2022 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 209521974567 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 A B |  | CT | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post[redacted], the subject property is in a flood zone, flood insurance is not escrowed. | Lender to provide copy of flood insurance binder - not in file. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Policy Missing | The subject property is in a flood zone, evidence of flood insurance was not provided/obtained. Failure to obtain and disclose required insurance may result in additional federal and/or state compliance violations. | Lender to provide copy of flood insurance binder - not in file. |  |  |  | Reviewer Comment (2022-07-15): Flood Insurance received<br>Seller Comment (2022-07-15): Uploaded HOI invoice and declarations | 07/15/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of[redacted]of the Federal Total Loan Amount. Points and Fees total[redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted](an overage of [redacted] or [redacted]). | Loan fails QM due to points and fees. |  |  |  | Reviewer Comment (2022-07-18): Received, Clearing.<br>Seller Comment (2022-07-18): Disagree - 1 out of [Redacted] discount points are eligible for bona fide and can be excluded from the P & F calculation; thus the total of [Redacted] is within the allowable of [Redacted]<br>Reviewer Comment (2022-07-15): Provide evidence of undiscounted rate and price to determine if any portion of discount points are bona fide<br>Seller Comment (2022-07-15): Disagree - 1 out of [Redacted] discount points are eligible for bona fide and can be excluded from the P & F calculation; thus the total of [Redacted] is within the allowable of [Redacted] | 07/18/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year [redacted]Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on [redacted]not accurate. | Lender to provide final CD disclosing correct property costs. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure was provided at closing. |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM[redacted] | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan fails QM due to points and fees. |  |  |  | Reviewer Comment (2022-07-18): Received, Clearing.<br>Reviewer Comment (2022-07-15): Provide evidence of undiscounted rate and price to determine if any portion of discount points are bona fide<br>Seller Comment (2022-07-15): Disagree - 1 out of [Redacted] discount points are eligible for bona fide and can be excluded from the P & F calculation; thus the total of [Redacted] is within the allowable of [Redacted] | 07/18/2022 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Disclosure did not state if Borrower declined escrows or Lender does not offer. Lender to provide corrected CD. |  |  |  | Reviewer Comment (2022-08-01): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2022-08-01): correcting status<br>Reviewer Comment (2022-07-19): [Redacted] received Re-draw documents with escrow account along with Post CD,IEAD and First Payment letter.<br>Buyer Comment (2022-07-18): Docs were provided - we aren't sure why this was rejected<br>Reviewer Comment (2022-07-18): [Redacted] received Re-draw documents with escrow account along with Post CD ,IEAD and First payment letter.<br>Seller Comment (2022-07-15): Uploaded redraw documents that will be signed to establish escrow account |  | 08/01/2022 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 435232313188 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower does not have [redacted] mos' PITI in reserves in non cash out funds, credit score is <[redacted] so guide 5a is not met. No exception was in file for reserves. |  |  |  | Reviewer Comment (2022-07-21): Received, Clearing.<br>Seller Comment (2022-07-21): Please find attached update statements, 1008 and 1003 showing the borrower has [Redacted] of personal reserves, the rest of the reserves are coming from the cashout as allowed by guidelines. | 07/21/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 435232313188 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not have sufficient housing history; exception made. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-06-28): Lender made exception with compensating factors. |  |  | 06/28/2022 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2022-08-08): [Redacted] received Letter of Explanation, Proof of Delivery, and Corrected CD.<br>Reviewer Comment (2022-08-08): This is a material exception, and cure requires re-opening of rescission and proof of delivery to complete cure testing.<br>Seller Comment (2022-08-08): Uploaded PCCD, LOX and shipping information<br>Seller Comment (2022-08-04): Uploaded PCCD, LOX and evidence of shipping<br>Reviewer Comment (2022-08-01): [Redacted] received Corrected CD and LOE. This Corrected CD issued [Redacted] removed all Estimate Escrow costs in Projected Payments and reflects "No" on Estimate Taxes, Ins & Assessments at [Redacted]. However, there is Flood Insurance required and required to be escrowed at [Redacted] /mo. IEAD also in file reflects taxes and insurance escrowed which is not matching CD. Only portion of the Homeowner Insurance is escrowed for the flood insurance of the total premium per the policy. Corrected documents to match to escrowed costs. Corrected CD & LOE to borrower and should correct IEAD to match on costs being escrowed (flood ins only per last corrected CD)<br>Seller Comment (2022-07-28): Review: PCCD provided for clerical error to complete No Escrow section on CD page 4. See attached PCCD and LOX.<br>Reviewer Comment (2022-07-25): [Redacted] received IEAD confirming escrowed costs. Provide copy of LOE to borrower which accompanied the [Redacted] CD to finalize cure.<br>Seller Comment (2022-07-21): Uploaded re-draw docs for escrow account |  | 08/08/2022 |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. |  |  |  |  | Reviewer Comment (2022-08-01): [Redacted] received Corrected CD & LOE to borrower correcting to no escrowed.<br>Seller Comment (2022-07-28): Review: PCCD provided for clerical error to complete No Escrow section on CD page 4. See attached PCCD and LOX.<br>Reviewer Comment (2022-07-25): [Redacted] received IEAD confirming escrowed costs. Provide copy of LOE to borrower which accompanied the [Redacted] CD to finalize cure.<br>Seller Comment (2022-07-21): Uploaded re-draw docs to be signed for escrow | 08/01/2022 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 435232313188 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. | Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. |  |  |  | Reviewer Comment (2022-08-01): [Redacted] received Corrected CD & LOE to borrower correcting to no escrowed.<br>Seller Comment (2022-07-28): Review: PCCD provided for clerical error to complete No Escrow section on CD page 4. See attached PCCD and LOX.<br>Reviewer Comment (2022-07-25): [Redacted] received IEAD confirming escrowed costs. Provide copy of LOE to borrower which accompanied the [Redacted] CD to finalize cure.<br>Seller Comment (2022-07-21): Uploaded re-draw docs for escrow account | 08/01/2022 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 684178078948 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Missing most recent [redacted] ([redacted]) month's bank statements required per guidelines. |  |  |  | Reviewer Comment (2022-07-08): Received, Clearing.<br>Seller Comment (2022-07-08): Uploaded Bank Statement from [redacted] which was in File | 07/08/2022 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 742950338247 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2022-07-18): Exception Detail Updated from: ECOA Valuations Rule [Redacted] : Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. [Redacted] |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 742950338247 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Verified Loan designation of Higher Priced QM |  |  |  | Reviewer Comment (2022-07-18): Restated.<br>Buyer Comment (2022-07-18): Please restate to Safe Harbor<br>Reviewer Comment (2022-07-18): We reflect as Safe Harbor QM [Redacted]<br>Buyer Comment (2022-07-18): Based on wording, not sure if you are in agreement with designation of Rebuttable Presumption or not. Seems the designation has been confirmed as originally passed to you | 07/18/2022 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 742950338247 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | No sufficient cure provided |  |  |  | Reviewer Comment (2022-07-18): [Redacted] Upon further review, sufficient cure was provided at closing.<br>Seller Comment (2022-07-15): Uploaded PCCD, LOX, check and shipping label<br>Reviewer Comment (2022-07-15): [Redacted] - Cure provided at closing is not sufficient to cure all [Redacted] exceptions including (Transfer Taxes) since COC dated [Redacted] does not provide a valid reason for increase in transfer taxes. Exception will be cleared once resolution/cure received for other [Redacted] exception (transfer taxes). Exception remains.<br>Buyer Comment (2022-07-14): Final CD reflects cure of [Redacted] for increase in Closing Cost above legal limit | 07/18/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 742950338247 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 2nd appraisal dated [redacted] - Per invoice in file [redacted], and Email addressing 2nd Appraisal D03, D04. |  |  |  | Reviewer Comment (2022-07-11): 2nd appraisal received, value [Redacted]<br>Seller Comment (2022-07-11): Document attached. | 07/11/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 742950338247 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Appraisal signed [redacted] indicates the property is tenant occupied, however the subject transaction is a primary residence refinance |  |  |  | Reviewer Comment (2022-07-11): Received, Clearing.<br>Seller Comment (2022-07-11): Uploaded appraisal used at closing states Primary. LOX was in the file at time of closing | 07/11/2022 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 742950338247 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | COC dated [redacted] does nor provide valid reason for increase in transfer taxes from initially disclosed [redacted] to [redacted] on final CD. A valid COC or cure is required. |  |  |  | Reviewer Comment (2022-07-18): [Redacted] Received PCCD, LOE, Copy of check and delivery report for the cure provided. |  | 07/18/2022 |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 742950338247 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Restated. |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 370803000540 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted]not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as [redacted] on page 4; however the HOA dues total[redacted].00 per year verified with the Appraisal. Final CD reflects Estimated Taxes, Insurance & Assessments of [redacted]monthly, correct amount is[redacted] Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 728218342656 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-07-15): Received, Clearing.<br>Seller Comment (2022-07-15): Use this VVOE instead.<br>Reviewer Comment (2022-07-14): VVOE in file and received trailing is dated [Redacted] which is post closing. Provide VVOE within [Redacted] days of closing<br>Seller Comment (2022-07-14): Invalid, VVOE in file, visionet [Redacted] attached for faster review | 07/15/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 201928803725 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2022-07-15): [Redacted] has received valid evidence of LE being sent by an alternative method.<br>Seller Comment (2022-07-14): Application date is [Redacted] and initial disclosure package was created on [Redacted] . Uploaded package disclosed via mail out on [Redacted] within timing compliance. | 07/15/2022 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 802962068473 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than AUS total cash-out of ___. |  |  |  |  | Reviewer Comment (2022-07-18): Received, Clearing.<br>Seller Comment (2022-07-18): Final CD that includes the cash to [Redacted] , the amount of cash out should not matter unless the cash out was being used for reserves<br>Reviewer Comment (2022-07-14): Still exceeds the AUS approved of [Redacted]<br>Seller Comment (2022-07-14): Final CD that includes the cash to [Redacted] has been attached. | 07/18/2022 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 824720589257 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7 |  | The CDA value is [redacted] lower than the appraised value. |  |  |  | Reviewer Comment (2022-09-19): Received, Clearing.<br>Reviewer Comment (2022-08-17): CDA was provided and reflects the greater than [redacted]% variance, we cannot ignore CDA and use Fannie Mae SSR.<br>Seller Comment (2022-08-17): Uploaded appraisal checklist<br>Reviewer Comment (2022-08-17): Form provided is blank but greater than [redacted] variance between Appraisal and CDA remains.<br>Seller Comment (2022-08-17): Appraisal Checklist in regards to the CDA value is lower than the value. | 09/19/2022 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 824720589257 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Connecticut Prepaid Finance Charge | [redacted] Abusive Home Loan Lending Practices Act: Prepaid Finance Charge Fees of[redacted] exceed the greater of[redacted]or [redacted] |  |  |  |  | Reviewer Comment (2022-07-25): Cure documentation received.<br>Seller Comment (2022-07-22): Uploaded PCCD, LOX, shipping label and check |  | 07/25/2022 |  | 2 C B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | Yes |
| 824720589257 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| 168739722005 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-07-13): Received, Clearing.<br>Seller Comment (2022-07-13): Uploaded WVOE, W2's, &1003 showing start date [Redacted] , Active, and within 10 Days of Closing, Verified [Redacted] & [Redacted] W2s and Transcripts | 07/13/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 168739722005 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 168739722005 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The appraisal is in the name of Freedom Mortgage, lender is [redacted]. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 168739722005 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The final 1003 states [redacted] has been on current job with[redacted]. of schools for [redacted] years and [redacted] months, however VOE in file reflects employer name as [redacted], and start date of [redacted], please clarify discrepencies and provide required verification. |  |  |  | Reviewer Comment (2022-07-13): Received, Clearing.<br>Seller Comment (2022-07-13): Uploaded WVOE, W2's, &1003 showing start date [Redacted] , Active, and within [Redacted] Days of Closing, Verified [Redacted] & [Redacted] W2s and Transcripts | 07/13/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 837454956108 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the two most recent [redacted] for the co-borrower's current employment, as required by the guidelines. The file only contained one paystub. |  |  |  | Reviewer Comment (2022-07-11): Received, Clearing.<br>Seller Comment (2022-07-11): Attached Br 2 Paystubs, Check history and Written VOE | 07/11/2022 |  |  | 1 C A |  | CO | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 837454956108 |  |  |  |  |  |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) |  | The file was missing the Loan Estimate delivered to the borrower on [redacted], per the disclosure summary. Please provide for further testing. |  |  |  | Reviewer Comment (2022-07-14): LE dated [Redacted] received<br>Seller Comment (2022-07-14): Uploaded Initial LE, eSign Consent IDS Fulfillment System Package Status Cert showing borrower signatures [Redacted] , COC for Re-disclosed LE dated [Redacted] , eSign Consent IDS Fulfillment System Package Status Cert showing borrower signatures [Redacted] & Re-disclosed LE dated [Redacted] | 07/14/2022 |  |  | 1 C A |  | CO | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 220762360367 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | The loan was approved as an HPQM APOR loan, however due diligence loan designation result is SHQM APOR. |  |  |  | Reviewer Comment (2022-07-28): Restated.<br>Buyer Comment (2022-07-28): Please restate as Safe Harbor<br>Reviewer Comment (2022-07-27): Reviewing with the compliance desk.<br>Buyer Comment (2022-07-26): The actual APR of [redacted]% is based on the final CD, exceeds APOR + [redacted] which results in a Rebuttable Presumption designation (HPQM) and should be used to complete the calculation. The reg defines a Higher Priced covered transaction as "a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by [redacted] or more percentage points....".<br>Reviewer Comment (2022-07-22): Our finding is SHQM APOR.<br>Buyer Comment (2022-07-22): This isn't a finding for the [redacted]% test it's the APR spread test which our initial response covers. Loan is indeed Rebuttable Presumption<br>Reviewer Comment (2022-07-19): QM points and fees only include [redacted]ysp and [Redacted] UW Fee so the calculated apr is [Redacted]<br>Buyer Comment (2022-07-19): Disagree, loan APR of [Redacted] exceeds APOR of [Redacted] by more than [Redacted] , therefore the loan is higher-priced. Per QM, a loan that is a higher-priced covered transaction (APR exceeds APOR + [Redacted]) is still considered QM but is designated as rebuttable presumption | 07/28/2022 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 220762360367 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - [redacted] [redacted] Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on[redacted] not accurate. | The final CD disclosed the amount of Total Property Costs over Year 1 as[redacted]on page 4; however the annual taxes [redacted]) and homeowners insurance ([redacted]) are [redacted] per year. Final CD reflects Estimated Taxes and Insurance of[redacted]monthly, correct amount is [redacted]. |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 220762360367 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Restated. |  |  |  |  |  |  |  | 2 A B |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 782636654261 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of [redacted] or [redacted]). |  |  |  |  | Reviewer Comment (2022-07-15): Received, Clearing.<br>Seller Comment (2022-07-15): loan passes the QM[redacted]% threshold with the exclusion of one bona fide discount point, uploaded rate stack | 07/15/2022 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 782636654261 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The loan is failing due to QM points and fees exceeding max allowaable of [redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2022-07-15): Received, Clearing. | 07/15/2022 |  |  | 1 B A C |  | NY | Investment | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 244640633202 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing copy of the 1084 or income worksheet |  |  |  | Reviewer Comment (2022-07-15): Received, Clearing.<br>Seller Comment (2022-07-15): Copy of the income worksheet found in file / AUS attached found in File. | 07/15/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 244640633202 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of[redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of[redacted] or [redacted]). |  |  |  |  | Reviewer Comment (2022-07-15): Received, Clearing.<br>Seller Comment (2022-07-15): Review: 2 out of [redacted]% discount points are bona fide and can be excluded from the total points & fee calculation; thus the total of $[redacted] is within the allowable of $[redacted]. See attached the P & F calculation, rate stack, and DM Compliance Report. | 07/15/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 244640633202 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation is Safe Harbor QM (APOR). Failure is due to points and fees in excess of maximum allowed. |  |  |  | Reviewer Comment (2022-07-15): Received, Clearing. | 07/15/2022 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 244640633202 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Per lender guides, an AUS is required to be included in the file. This is missing. |  |  |  | Reviewer Comment (2022-07-15): Received, Clearing.<br>Seller Comment (2022-07-15): Document attached. | 07/15/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 244640633202 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | The final CD, signed by the borrower, is missing the issue date. |  |  |  | Reviewer Comment (2022-07-19): [Redacted] received dated final CD.<br>Seller Comment (2022-07-15): Review: Please see attached Final CD was signed and dated [Redacted] | 07/19/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 541433136583 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2022-07-22): Received, Clearing.<br>Seller Comment (2022-07-22): See REO documents with first payment letter and CD | 07/22/2022 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 541433136583 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-08-17): Accepted as is |  |  |  | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 541433136583 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  |  |  |  |  | Reviewer Comment (2022-07-21): Received, Clearing.<br>Seller Comment (2022-07-21): NO SUBORDINATE LIEN | 07/21/2022 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 783410129592 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty Test | [redacted] Prepayment Penalty: Loan prepay term of [redacted] months exceeds state maximum of [redacted] months. |  |  |  |  | Reviewer Comment (2022-09-27): Accepted as is per client<br>Reviewer Comment (2022-09-27): Regraded due to preemption. |  |  |  | 2 C B |  | RI | Investment | Purchase | C B A | N/A | N/A | No |
| 487243928720 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-14): Sufficient Cure Provided At Closing |  | 07/14/2022 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 487243928720 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The file was missing the third party verification of employment for the Schedule C income. Please provide the third party verification obtained within [redacted] days prior to the Note date. |  |  |  | Reviewer Comment (2022-07-15): Received, Clearing.<br>Seller Comment (2022-07-15): Uploaded Verification for Business dated within 20 days. | 07/15/2022 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 329633951525 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-07-21): Received, Clearing.<br>Seller Comment (2022-07-21): Uploaded VOE | 07/21/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 530813687838 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing third party verification of [redacted] for co-borrower |  |  |  | Reviewer Comment (2022-07-27): Received, Clearing.<br>Seller Comment (2022-07-27): Income for co borrower is not required. Attached updated 1003 and 1008. Please clear finding. | 07/27/2022 |  |  | 1 C A |  | MA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 485214738154 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The file is missing a copy of[redacted] business bank statement |  |  |  | Reviewer Comment (2022-07-25): Received, Clearing.<br>Seller Comment (2022-07-25): Uploaded [redacted]n [redacted] bank statements | 07/25/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 485214738154 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | The file is missing a copy of the signed and dated Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 485214738154 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of [redacted] business bank statement. |  |  |  | Reviewer Comment (2022-07-25): Received, Clearing.<br>Seller Comment (2022-07-25): Uploaded [redacted][redacted] bank statements | 07/25/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 849579916022 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2022-08-02): Clearing<br>Reviewer Comment (2022-07-25): Received, Clearing.<br>Buyer Comment (2022-07-25): Loan does not require Mortgage insurance. It is a non qm product.<br> Please waive this condition. | 08/02/2022 |  |  | 1 C A |  | NJ | Second Home | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 849579916022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-21): Sufficient Cure Provided At Closing |  | 07/21/2022 |  | 1 A |  | NJ | Second Home | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 849579916022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Verified loan designation of Higher Priced QM |  |  |  | Reviewer Comment (2022-08-03): Restated.<br>Seller Comment (2022-08-03): PCCD showing MI has been removed - loan was closed with the payment included but there is no MI policy in place. Confirmed designation is Safe Harbor - please restate<br>Reviewer Comment (2022-07-27): LAS report provided to [redacted] via email.<br>Buyer Comment (2022-07-27): Please advise how you have calculated the rate of[redacted]%.<br>Reviewer Comment (2022-07-25): Our rate is is calculated at [redacted]% which makes it a Safe Harbor QM (APOR).<br>Seller Comment (2022-07-25): Disagree - the designation of Higher Priced QM is correct based on the loan APR exceeding the APOR + [redacted] threshold. | 08/03/2022 |  |  | 1 B A C |  | NJ | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 849579916022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a mortgage insurance payment for payment stream [redacted] that does not match the actual payment for the loan. | Mortgage insurance certificate is missing therefore unable to verify payment on the closing disclosure |  |  |  | Reviewer Comment (2022-08-16): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2022-08-12): PCCD and LOE that were provided to the borrower today. Previous PCCD was for internal testing<br>Reviewer Comment (2022-08-09): Please provide copy of LOE to complete testing.<br>Seller Comment (2022-08-05): There is no MI required for this loan. PCCD attached as it was included in error |  | 08/16/2022 |  | 2 C B |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 849579916022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[redacted] disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Missing evidence of mortgage insurance |  |  |  | Reviewer Comment (2022-08-16): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2022-08-12): PCCD and LOE that were sent to the borrower today<br>Reviewer Comment (2022-08-09): Please provide copy of LOE to complete testing.<br>Seller Comment (2022-08-05): PCCD showing corrected payment. MI wasn't required, no cert in file | 08/16/2022 |  |  | 1 C A |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 849579916022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Restated. |  |  |  |  |  |  |  | 2 A B |  | NJ | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 849579916022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | NJ | Second Home | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 849579916022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notice of Settlement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | NJ | Second Home | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 269652525044 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Lender qualified the borrower with subject net qualifying rental of[redacted] however, the actual amount is [redacted] |  |  |  | Reviewer Comment (2022-07-26): Received, Clearing.<br>Seller Comment (2022-07-26): Updated DU findings that address the subject net rental. | 07/26/2022 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | No |
| 269652525044 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing copies of [redacted] and [redacted] 4506-C. |  |  |  | Reviewer Comment (2022-08-01): Received, Clearing.<br>Seller Comment (2022-08-01): Uploaded 4506C | 08/01/2022 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | No |
| 751441053442 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | VVOE provided was after the note/closing date, provide VVOE dated prior to the closing date as stated on the Approval. |  |  |  | Reviewer Comment (2022-08-01): Received, Clearing.<br>Seller Comment (2022-08-01): Uploaded VOE<br>Reviewer Comment (2022-07-29): Note was signed [Redacted] so vvoe would need to be prior to then.<br>Seller Comment (2022-07-29): Attached VOE to clear finding. | 08/01/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 751441053442 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to unreliable third party verification provided. Provide reliable third party verification |  |  |  | Reviewer Comment (2022-08-01): Received, Clearing. | 08/01/2022 |  |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 751441053442 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The loan designation does not match due to the missing/ unreliable third party verification/VVOE provided. Provide VVOE [redacted] days prior to the note date. |  |  |  | Reviewer Comment (2022-08-01): Received, Clearing.<br>Reviewer Comment (2022-07-29): Note was signed [Redacted] so vvoe would need to be prior to then.<br>Seller Comment (2022-07-29): Attached VOE to clear finding. | 08/01/2022 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 239322039782 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee was not disclosed on LE and it was disclosed on Closing disclosure as $[redacted].A cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-07-22): Sufficient Cure Provided At Closing |  | 07/22/2022 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 239322039782 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection was not disclosed on LE and it was disclosed on Closing disclosure as $[redacted].A cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-07-22): Sufficient Cure Provided At Closing |  | 07/22/2022 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 239322039782 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Hazard insurance company is not rated by AM Best | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-07-22): Prefunding lender exception approval, waived with compensating factors |  |  | 07/22/2022 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 239322039782 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt is dated prior to the appraisal signature date. Provide earlier dated appraisal for accurate compliance testing |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 479362733862 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2022-07-28): Received, Clearing.<br>Seller Comment (2022-07-28): Uploaded income calculations | 07/28/2022 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 479362733862 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 479362733862 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Verified earliest flood disclosure was signed [redacted] |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 479362733862 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] is less than amount of binding Lender Credit previously disclosed in the amount of [redacted] | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |  |  |  | Reviewer Comment (2022-08-03): [Redacted] received additional information on pricing change for valid changed circumstance.<br>Seller Comment (2022-08-01): pricing adjustment that occurred on [Redacted] is for the loan amount increase as well as a change in DTI/LTV upon further review. Screenshot from original submission shows this adjustment as a separate line item (lock suspended- DTI) and was done on the same day as the update for increase in loan amount, uploaded rate lock<br>Reviewer Comment (2022-07-29): [Redacted] received [Redacted] CD and changed circumstance. Reason stated and comment rebuttal state reason for decrease in lender credit is due to loan amount. However, the lender credit percentage did not change proportionately to the loan amount. Lender credit went from [Redacted] on final LE on [Redacted] loan amount to [Redacted] on [Redacted] CD on [Redacted] loan amt. If change had been proportionate, the lender credit would have increased with the loan amount increase and lender credit on final LE was [redacted]%. Provide additional reasons/information for the change or cure is required.<br>Seller Comment (2022-07-27): Uploaded COC CD showing lock adjustment due to loan amount increase, loan amount increased to [Redacted] along with evidence of lock and pricing adjustment due to change in loan amount on [Redacted] . | 08/03/2022 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 442524977044 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan is SHQM. |  |  |  | Reviewer Comment (2022-07-27): Restated.<br>Buyer Comment (2022-07-27): Please provide your APR and fees included in the APR calc. Based on our DocMagic test, this loan exceeds APOR by [redacted]%+ | 07/27/2022 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 442524977044 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Restated. |  |  |  |  |  |  |  | 2 A B |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 108682444149 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure on[redacted] |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 108682444149 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Borrower has verified in file EMD for[redacted] and [redacted] in assets. Final closing disclosure reflects[redacted] for EMD and [redacted] from borrower. Missing verification of additional EMD deposits. |  |  |  | Reviewer Comment (2022-09-20): Additional assets received<br>Seller Comment (2022-09-20): Comment from [Redacted] e ([redacted]): [Redacted] Account uploaded with [Redacted] funds and added to AUS and rerun. Attached [redacted] months statements and Updated AUS.<br>Reviewer Comment (2022-09-07): Gift of equity letter is used when the seller is gifting property equity to the buyer in a transaction. Gift letter from daughter is required, along with evidence of receipt of gift and transfer of gift.<br>Seller Comment (2022-09-07): Comment from [Redacted] ([redacted]): Updated and [Redacted] Final Gift Letter from [Redacted] for [Redacted] , to the borrower for [Redacted] Savings account ending in [Redacted] that was used in the file.<br>Reviewer Comment (2022-09-06): Gift letter provided is not dated now which is still not valid. exception will remain.<br>Seller Comment (2022-09-06): Comment from [Redacted] ([redacted]): Uploaded Updated Gift Letter from [Redacted] for [Redacted] , to the borrower for [Redacted] Savings account<br>Reviewer Comment (2022-08-31): Gift letter provided is dated after the closing.<br>Seller Comment (2022-08-31): Gift Letter from [Redacted] for [Redacted] to the borrower for [Redacted] account ending in [Redacted] that was used in the file.<br>Reviewer Comment (2022-08-24): Bank statement provided ends [Redacted] . The most recent statement on file is dated [Redacted] , with a balance of [Redacted] . This has already been counted towards assets, in addition to the [Redacted] EMD withdrawn on [Redacted] . Exception remains.<br>Seller Comment (2022-08-24): Disagree - uploaded AUS, 1008 and Guidelines, along with the [redacted] Statement for the Borrower [redacted] [Redacted] showing full amount of the required reserves.<br>Reviewer Comment (2022-08-17): Documentation received trailing for another transaction. Exception re-opened. Most recent [redacted][redacted][Redacted] balance = [Redacted] , [redacted] dated [Redacted] ending [Redacted] , ending [Redacted] [Redacted] . EMD [Redacted] . Total cash to close [Redacted] . Required to close [Redacted]<br>Buyer Comment (2022-08-17): Waived - Documentation in original file<br>Reviewer Comment (2022-08-17): Re-opened<br>Reviewer Comment (2022-08-17): Documentation in original file<br>Reviewer Comment (2022-08-17): Re-open to cancel<br>Reviewer Comment (2022-07-28): Received, Clearing.<br>Seller Comment (2022-07-28): Uploaded EMD Gift Letter and Letter showing the EMD in escrow. | 09/20/2022 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 108682444149 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing verification of additional EMD deposits |  |  |  | Reviewer Comment (2022-09-20): Additional assets received<br>Seller Comment (2022-09-20): Comment from [Redacted] ([redacted]): [Redacted] Account uploaded with v+ funds and added to AUS and rerun. Attached[redacted] months statements and Updated AUS.<br>Reviewer Comment (2022-09-07): Gift of equity letter is used when the seller is gifting property equity to the buyer in a transaction. Gift letter from daughter is required, along with evidence of receipt of gift and transfer of gift.<br>Seller Comment (2022-09-07): Comment from [redacted] ([redacted]): Updated and Dated Final Gift Letter from [redacted] for [redacted], to the borrower for [redacted] account ending in [redacted] that was used in the file.<br>Reviewer Comment (2022-09-06): Gift letter provided is not dated now which is still not valid. exception will remain.<br>Seller Comment (2022-09-06): Comment from [Redacted] ([redacted]): Uploaded Updated Gift Letter from [Redacted] for [Redacted] , to the borrower for [Redacted] Savings account<br>Reviewer Comment (2022-08-31): Gift letter provided is dated after the closing.<br>Seller Comment (2022-08-31): Gift Letter from [Redacted] for [Redacted] , to the borrower for [Redacted] Savings account ending in [Redacted] that was used in the file.<br>Reviewer Comment (2022-08-24): Bank statement provided ends [Redacted] The most recent statement on file is dated [Redacted] , with a balance of [Redacted] . This has already been counted towards assets, in addition to the [Redacted] EMD withdrawn on [Redacted] . Exception remains.<br>Seller Comment (2022-08-24): Disagree - uploaded AUS, 1008 and Guidelines, along with the[redacted] Statement for the Borrower [redacted] [Redacted] showing full amount of the required reserves.<br>Reviewer Comment (2022-08-18): We currently have verified assets of [Redacted] . With earnest money deposit and required cash to close [Redacted] so we are short funds for closing and reserves.<br>Seller Comment (2022-08-18): Disagree - Per the AUS/Guidelines there are enough funds that is required to close<br>Reviewer Comment (2022-08-17): Documentation received trailing for another transaction. Exception re-opened. Most recent[redacted] [Redacted] balance = [Redacted] , [redacted] dated [Redacted] ending [Redacted] , ending [Redacted] . EMD [Redacted] . Total cash to close [Redacted] . Required to close [Redacted] . Additional [redacted]account in file however, it is in the name of the borrower's child and not used towards funds to close/reserves<br>Reviewer Comment (2022-07-28): Received, Clearing.<br>Seller Comment (2022-07-28): Uploaded EMD Gift Letter and Letter showing the EMD in escrow. | 09/20/2022 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 441630088115 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-28): Sufficient Cure Provided At Closing |  | 07/28/2022 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 633123754731 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No COC or cure was provided to Borrower for tolerance overages |  |  |  | Reviewer Comment (2022-07-28): Sufficient Cure Provided At Closing |  | 07/28/2022 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 633123754731 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Missing appraisal transfer letter. |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 829753776774 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The date of receipt on file is dated prior to the appraisal signature date. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 829753776774 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084or income worksheet missing |  |  |  | Reviewer Comment (2022-08-05): Received, Clearing.<br>Seller Comment (2022-08-05): Uploaded income calculator | 08/05/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 401181020362 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36 |  | Per guidelines, a primary and secondary valuation are required |  |  |  | Reviewer Comment (2022-08-10): Received, Clearing. | 08/10/2022 |  |  | 1 D A B |  | CA | Primary | Refinance - Rate/Term | D C A B | Safe Harbor QM | Safe Harbor QM | No |
| 401181020362 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 02/18/2021 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (2023-01-06): Accept as is<br>Reviewer Comment (2022-08-15): SitusAMC received rebuttal. However, the 2-16-21 CD reflected an APR of 2.039% which was then changed over the ,125% threshold for which a 3 business day waiting period is required prior to "consummation", which the 2-18 CD and signed by borrwer on 2-19 reflected APR of 2,527%. AMC recognizes that fees can be updated in dry states. Our testing methodology remains the same. AMC only considers clearing exceptions if we receive evidence or an attestation that the change in fees reflected on the PCCD result from events that occurred after closing. Per 1026.19(f)(2)(ii), the borrower must receive a corrected disclosure at least three business days prior to consummation. For TILA/Reg Z purposes, consummation is defined as the time that a consumer becomes contractually obligated on a credit transaction. This would be evidenced by the date the consumer executes the Note. The standard Fannie Mae/ Freddie Mac documents do not include a place for the consumer to date their signature to evidence the date they executed the document. The Security Instrument, is typically executed concurrently with the Note. This document is notarized with the date by the Notary. Therefore, the Notary date is used to evidence the date of consummation. On this loan the security instrument was notarized on 2-19-21.<br>Seller Comment (2022-08-11): REBUTTAL |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C A B | Safe Harbor QM | Safe Harbor QM | No |
| 401181020362 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B C |  | CA | Primary | Refinance - Rate/Term | D C A B | Safe Harbor QM | Safe Harbor QM | No |
| 210093415289 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted]. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): DAIR | 08/11/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM | Non QM | No |
| 210093415289 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | There are not enough assets to cover cash from borrower. Additional assets required. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Bank Statement | 08/11/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM | Non QM | No |
| 210093415289 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Retirement Documentation | Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. | Missing award letter for J[redacted], Inc. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Retirement Docs | 08/11/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM | Non QM | No |
| 210093415289 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Missing award letter for [redacted], Inc. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Retirement Docs | 08/11/2022 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM | Non QM | Yes |
| 210093415289 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: All conditions were not met |  | [redacted] due to DTI. Per 1008, loan was approved using AUS with a recommendation of approve/eligible, however this is missing from the file. |  |  |  | Reviewer Comment (2022-08-19): Updated 1008 received<br>Seller Comment (2022-08-19): 1008 | 08/19/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM | Non QM | No |
| 322628533534 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  | The representative FICO score is above 680.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>Borrower has worked in the same position for more than 3 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Buyer Comment (2022-08-18): Waived - Client elects to waive with compensating factors<br>Reviewer Comment (2022-08-18): Property exception cannot be downgraded<br>Reviewer Comment (2022-08-18): Client elects to waive with compensating factors |  |  |  | 3 C |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 322628533534 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Please see attached | 08/11/2022 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 322628533534 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $21.70 exceeds tolerance of $20.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 322628533534 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2022-08-12): RTC exception has been cancelled based on treatment of 6/19 (Juneteenth Holiday) as a business day due to rescission period starting on or before 6/17/21.<br>Seller Comment (2022-08-11): Finding is invalid. Please see RTC calendar | 08/12/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 256998328102 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt is missing from the file |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Proof of Delivery with appraisal<br>Reviewer Comment (2022-08-10): Delivery receipt shows [Redacted] but appraisal in the file has a report date of [Redacted] . Need the earlier appraisal or the receipt for the [Redacted] appraisal report.<br>Seller Comment (2022-08-10): Proof Appraisal delivery | 08/11/2022 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 127434281143 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on[redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted] | The earliest eligible disbursement date would be[redacted], as [redacted] was a holiday. Provide Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form to cure |  |  |  | Reviewer Comment (2022-08-29): Letter of Explanation, Proof of Delivery and Rescission reopened using the correct model form received<br>Seller Comment (2022-08-29): Rescission Period has ended, please clear.<br>Reviewer Comment (2022-08-24): Please re-queue loan after [Redacted] , after rescission period ends<br>Seller Comment (2022-08-23): Please see updated RTCs, LOE and Overnight [redacted]label attached. Borrowers will receive new RTCs tomorrow with a cancel date of [Redacted]<br>Buyer Comment (2022-08-22): The proof of delivery was the email to the borrower included in the docs that were attached. That is standard procedure for re-opening rescission for [redacted].<br>Reviewer Comment (2022-08-19): Please provide proof of delivery of RTC<br>Seller Comment (2022-08-19): Please see attached. |  | 08/29/2022 |  | 2 C B |  | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 127434281143 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The earliest eligible disbursement date would be [redacted], as [redacted] was a holiday. Provide Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form to cure |  |  |  | Reviewer Comment (2022-08-29): Letter of Explanation, Proof of Delivery and Rescission reopened using the correct model form received<br>Seller Comment (2022-08-29): Rescission Period has ended, please clear.<br>Reviewer Comment (2022-08-24): Please re-queue loan after [Redacted] , after rescission period ends<br>Seller Comment (2022-08-23): Please see updated RTCs, LOE and Overnight [redacted]label attached. Borrowers will receive new RTCs tomorrow with a cancel date of [Redacted]<br>Buyer Comment (2022-08-22): The proof of delivery was the email to the borrower included in the docs that were attached. That is standard procedure for re-opening rescission for [redacted].<br>Reviewer Comment (2022-08-19): Please provide proof of delivery of RTC<br>Seller Comment (2022-08-19): Please see attached |  | 08/29/2022 |  | 2 C B |  | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 127434281143 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing the award letter for retirement income |  |  |  | Reviewer Comment (2022-08-19): Received, Clearing.<br>Seller Comment (2022-08-19): After further review, B1 income of [Redacted] was mislabeled as retirement income when it is actually Dividend income. Please see [Redacted] Statement attached verifying [redacted]% of the Dividend income was used to qualify.<br>Reviewer Comment (2022-08-18): Not sure what is trying to be resolved with this page 6 of some document. Please advise.<br>Seller Comment (2022-08-18): Attached | 08/19/2022 |  |  | 1 C A |  | MO | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 433794027057 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): VVOE | 08/11/2022 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 433794027057 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Documentation provided was not signed and dated by the borrower |  |  |  | Reviewer Comment (2022-08-23): Accepted as is.<br>Reviewer Comment (2022-08-11): Event level 2 exception but will remain as Affiliated Business Arrangement Disclosure was unsigned.<br>Seller Comment (2022-08-11): AFFIATED BUSINESS |  |  |  | 2 B |  | NC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 433794027057 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Evidence of receipt of [redacted] CD was not missing from the file |  |  |  | Reviewer Comment (2022-08-22): [Redacted] received documentation the initial CD was received on [Redacted]<br>Seller Comment (2022-08-19): prior to close cd rebuttal | 08/22/2022 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 433794027057 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-23): Received, Clearing, | 08/23/2022 |  |  | 1 D A |  | NC | Primary | Refinance - Rate/Term | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 835518393013 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Affiliated business arrangement disclosure statement was not provided to the borrower within [redacted] days of application date |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): copy of Affiliated Business | 08/11/2022 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 171711630480 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The hazard insurance on file has an effective date of[redacted] to [redacted] which is effective after the note date of [redacted]. |  |  |  | Reviewer Comment (2022-08-23): Received, Clearing.<br>Seller Comment (2022-08-23): Please see attached both Hazard insurance policies from [Redacted] to [Redacted] and [Redacted] to [Redacted] . Both were in the file as well. | 08/23/2022 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 643926988835 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage of $[redacted] is insufficient to cover the mortgage amount of $[redacted]. Please provide a letter from the insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): HAZARD COVERAGE IS SUFFICIENT | 08/11/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 125747346933 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  | Reviewer Comment (2022-08-19): Received, Clearing.<br>Seller Comment (2022-08-19): [redacted]DISCLOSURE | 08/19/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 125747346933 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] days of application. |  |  |  |  | Reviewer Comment (2022-08-23): Received, Clearing.<br>Seller Comment (2022-08-23): we do not store a copy of the [redacted]booklet in our system due to its size. We do have evidence it was sent to the borrower, please see attached document<br>Seller Comment (2022-08-23): CHARM<br>Reviewer Comment (2022-08-23): The [redacted]Booklet, should have been provided to the borrower within three (3) days of application. [Redacted]is not with 3 days of application.<br>Buyer Comment (2022-08-23): ????? DELIVERY DATE IS AND SIGNED [Redacted]...what is unclear? why are these dates not being accepted?<br>Reviewer Comment (2022-08-22): The acknowledgement provided doesn't reflect a date it was provided which is what we need to resolve the issue.<br>Buyer Comment (2022-08-22): THIS WAS PROVIDED AND CLEARED. WHY HASN'T THIS CONDITION CLEARED?<br>Reviewer Comment (2022-08-12): The acknowledgement provided doesn't reflect a date it was provided which is what we need to resolve the issue.<br>Buyer Comment (2022-08-12): THAT IS NOT WHAT SUSPENSE SAYS - IT SAYS TO PROVIDE EVIDENCE BOOKLET PROVIDED W/IN 3 DAYS AND DOCUMENT SIGNED/DATED BY BORRS ACKNOWLEDGE RECEIPT. THAT IS AN ACCEPTABLE DOCUMENT OF PROOF<br>Reviewer Comment (2022-08-11): Need the disclosure provided not the acknowledgement of receipt.<br>Seller Comment (2022-08-11): ALREADY PROVIDED IN ORIGINAL UPLOAD | 08/23/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 125747346933 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | No COC or cure was provided to Borrower for tolerance overages |  |  |  | Reviewer Comment (2022-08-29): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.<br>Seller Comment (2022-08-26): REFUND AND CD<br>Reviewer Comment (2022-08-25): [Redacted]received rebuttal on why changed circumstances not being accepted. To further clarify, there were 2 increases in Transfer Tax cost to borrower. First on[Redacted] LE. A changed circumstance form is in file dated[Redacted]but reason only states New Information Requires Additional Services. This is not a reason to increase transfer taxes and there was no additional information to determine why this fee increased. Loan amount did not increase from the previous LE dated [Redacted] and remained same at [Redacted]. The second increase in transfer tax occurred on [Redacted]. A changed circumstance form is in file dated [Redacted] which has a reason as Loan Amount Change. However, the loan amount did not change from the prior [Redacted] LE and remained the same at [Redacted] loan amount. There was a loan amount change on [redacted] LE sequence 1 and sequence 2 for loan amount change, but the transfer taxes were not updated and did not change. We are missing valid reasons for both increases on [Redacted] and [Redacted] LE's. Provide additional information on both change dates to support a valid changed circumstance for transfer tax increases or cure with Corrected CD, LOE to borrower, copy of cure check and proof of mailing<br>Seller Comment (2022-08-24): please see coc for change to transfer tax<br>Reviewer Comment (2022-08-24): The [Redacted]VCC indicates the reason for the increase in transfer tax fee is due to an increase in the loan amount. However, there was no increase in the loan amount on[Redacted] The loan amount increased on [Redacted] from [Redacted] to [Redacted]. Any increase in fees due to a loan amount increase must have been disclosed on the [Redacted] LE and VCC. Please provide documentation of another reason for the increase in fees or provide cure.<br>Seller Comment (2022-08-23): REBUTTAL<br>Reviewer Comment (2022-08-23): [Redacted] upon further review we have 2 LEs dated [Redacted] in file one is showing loan amount of [Redacted] and the other one is showing loan amount of [Redacted] Please review and provide valid COC for LE dated [Redacted] or please provide cure documents.<br>Seller Comment (2022-08-22): you are incorrect....loan amt on [Redacted] LE was [Redacted] loan amt on [Redacted] LE was [Redacted] . COC IS VALID<br>Reviewer Comment (2022-08-22): [Redacted] received COC dated [Redacted] indicates "Change in Loan Amount". However, upon review there is no change in loan amount on LE dated [Redacted] comparing with LE dated [Redacted] Sequence #2 (D0134). Please provide a valid COC with additional information for the fee increased or Cure is required to borrower.<br>Seller Comment (2022-08-19): COC |  | 08/29/2022 |  | 2 C B |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 125747346933 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $[redacted] is insufficient to cover the mortgage amount of $[redacted] with an estimated cost new of $[redacted]. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): HAZARD COVERAGE SUFFICIENT | 08/11/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 125747346933 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] requires a letter of explanation per guidelines. The housing history reflects a [redacted]day late which requires a LOE. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-18): Client elects to waive with comp factors<br>Reviewer Comment (2022-08-11): The housing history reflects a 60 day late which requires a LOE.<br>Buyer Comment (2022-08-11): THIS CONDITION MAKES NO SENSE...WHAT IS IT? WHAT DOCUMENT? WHAT IS SPECIFICALLY REQUIRED? CANNOT ADDRESS AS IS |  |  | 08/18/2022 | 2 C B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 125747346933 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | No cure or valid COC on file for this fee increase |  |  |  | Reviewer Comment (2022-08-24): [Redacted] Received LOE with additional information therefore no cure required.<br>Seller Comment (2022-08-23): REBUTTAL<br>Reviewer Comment (2022-08-23): [Redacted] upon further review require additional information as the invoice provided is not valid reason to increase the fee. Please provide additional information to specify the reason of increase on COC or please provide cure documents.<br>Buyer Comment (2022-08-22): new information IS the COC showing increased fee from invoice provided verifying fee for completed appraisal.<br>Reviewer Comment (2022-08-22): [Redacted] received COC dated [Redacted] indicates "New information requires additional services, Appraisal fee". No justification was provided for the fee increase. Please provide valid changed circumstance with additional information as to why the fee increased or cure is required.<br>Seller Comment (2022-08-19): COC | 08/24/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 125747346933 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | Initial Rate Minimum and/or Maximum is ineligible per guidelines. | Product: ___;<br> Initial Ceiling Cap: ___;<br> Initial Floor Cap: ___;<br> Margin: ___ |  | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-18): Client elects to waive with comp factors |  |  | 08/18/2022 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 968714166542 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). | Tax return (1040) for [redacted][redacted]not signed and dated. Provide a dated and signed [redacted]/[redacted]copy of tax return |  |  |  | Reviewer Comment (2022-08-22): Signed and dated tax returns received<br>Buyer Comment (2022-08-22): did you see pg 1 and 2 of the attachment? please advise<br>Reviewer Comment (2022-08-20): Tax return (1040) for[Redacted] and[Redacted]that was received is not signed and dated so exception remains.<br>Seller Comment (2022-08-19): Please see attached | 08/22/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM | Safe Harbor QM | No |
| 968714166542 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Missing source account to verify withdrawal of EMD |  |  |  | Reviewer Comment (2022-08-20): Received, Clearing.<br>Seller Comment (2022-08-19): Please see attached | 08/20/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM | Safe Harbor QM | No |
| 968714166542 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing signed/dated 1040s for [redacted] and[redacted] |  |  |  | Reviewer Comment (2022-08-20): Received, Clearing. | 08/20/2022 |  |  | 1 A |  | FL | Primary | Purchase | C A | Safe Harbor QM | Safe Harbor QM | No |
| 968714166542 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Provide signed and dated tax return for [redacted] and [redacted] |  |  |  | Reviewer Comment (2022-08-22): Signed and dated tax returns received<br>Buyer Comment (2022-08-22): Did you see pg 1 and 2 of the attachment?<br>Reviewer Comment (2022-08-20): Exception Detail Updated from: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.<br>Reviewer Comment (2022-08-20): Tax return (1040) for [Redacted] and [Redacted]that was received is not signed and dated so exception remains.<br>Seller Comment (2022-08-19): please see attached | 08/22/2022 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM | Safe Harbor QM | Yes |
| 184129565729 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | VVOE on file is dated [redacted] which is post closing | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted]years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-18): Client elects to waive with comp factors |  |  | 08/18/2022 | 2 C B |  | MD | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 184129565729 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | VVOE on file is dated [redacted], which is post closing | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted]years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-18): Client elects to waive with comp factors |  |  | 08/18/2022 | 2 C B |  | MD | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 184129565729 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application. |  |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 184129565729 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted]HB1399 - No evidence of counseling agencies list per [redacted]HB 1399. |  |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 184129565729 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of[redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as [redacted] on page 4; however the HOA dues/Taxes/Insurance are [redacted] per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 184129565729 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within [redacted]([redacted]) business days of application. | Disclosures received on [redacted], which is greater than[redacted] business days from application date |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 804065070708 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of [redacted]which is after the consummation date of [redacted] Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-24): Client elects to waive with compensating factors<br>Reviewer Comment (2022-08-23): This would be a exception request as we looking for coverage on a purchase from consummation which is the note signed and notary on the security agreement.<br>Buyer Comment (2022-08-23): Policy was effective at time of Disbursement date [Redacted] |  |  | 08/24/2022 | 2 C B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 804065070708 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Additional equities account on file however, not in the borrower's name. Additional assets required |  |  |  | Reviewer Comment (2022-08-24): Received, Clearing.<br>Seller Comment (2022-08-23): see breakdown of asset to cover funds to close | 08/24/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 804065070708 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $[redacted] is insufficient to cover the mortgage amount of $[redacted] with an estimated cost new of $[redacted]. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-08-23): Received, Clearing.<br>Seller Comment (2022-08-23): Please see page 34 of the FL Cost Estimator Policy attached. It explains it is illegal to request a replacement cost estimator in [redacted]. Also included, showing that it is LD's policy to make sure coverage is adequate. | 08/23/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 804065070708 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal report delivery dated [redacted], however appraisal signature date is [redacted]. Provide evidence the borrower received all copies of the appraisals prior to closing |  |  |  | Reviewer Comment (2022-08-24): Accepted as is per client |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 492494747914 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. The borrower's most recent [redacted] taxes are not in the file. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Extension filed | 08/11/2022 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 492494747914 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | The file is missing a copy of the borrower's[redacted]tax returns. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Extension filed | 08/11/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 492494747914 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | The file is missing a copy of the borrower's signed/dated [redacted] tax returns. |  |  |  | Reviewer Comment (2022-08-11): Level 2 exception.<br>Seller Comment (2022-08-11): Extension filed |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 492494747914 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2022-08-10): Sufficient Cure Provided At Closing |  | 08/10/2022 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 492494747914 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO Schedule E Method | General QM: Unable to verify Real Estate Owned income (Schedule E Method). File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. | The file is missing a copy of the borrower's [redacted]tax returns. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Extension filed | 08/11/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 492494747914 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Insurance and tax verification |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Schedule E attached | 08/11/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 492494747914 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing tax verification |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Attached | 08/11/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 927942501608 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on[redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as[redacted] on page 4; however no HOA dues were verified. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-23): Accepted as is. |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 927942501608 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is calculating as HPQM |  |  |  | Reviewer Comment (2022-08-16): Client elects to restate designation to NonQM | 08/16/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 927942501608 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Missing evidence of Non-Us Citizen status for Borrower. Required- A current, unexpired visa with an expiration date valid through the loan funding date<br> • A current, unexpired Employment Authorization Document (EAD) issued by the United States Citizenship and Immigration Services (USCIS) and Documentation to confirm the borrower does not have diplomatic immunity\* |  |  |  | Reviewer Comment (2022-08-23): Received, Clearing.<br>Seller Comment (2022-08-23): Please see attached updated 1003, borrower [redacted] was mistakenly marked as non perm resident.<br>Reviewer Comment (2022-08-18): This is needed for[redacted]not the co-borrower.<br>Seller Comment (2022-08-18): Please see attached Permanent Resident Card. | 08/23/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 927942501608 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | Mortgage insurance certificate is missing from the file |  |  |  | Reviewer Comment (2022-08-18): Received, Clearing.<br>Seller Comment (2022-08-18): Please see attached MI cert. | 08/18/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 927942501608 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt dated [redacted] however the appraisal was signed [redacted]. Provide evidence the borrower received all copies of the appraisal |  |  |  | Reviewer Comment (2022-08-18): Received, Clearing.<br>Seller Comment (2022-08-18): Please see attached Appraisal Proof of Delivery. | 08/18/2022 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 927942501608 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | No valid COC or cure provided for appraisal fee increase |  |  |  | Reviewer Comment (2022-08-23): Accepted as is. |  |  |  | 2 B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 927942501608 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | No valid COC or cure provided for transfer tax increase |  |  |  | Reviewer Comment (2022-08-23): Accepted as is. |  |  |  | 2 B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 927942501608 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client elects to restate designation to NonQM |  |  |  | Reviewer Comment (2022-08-23): Accepted as is. |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 966791415148 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Acknowledgement of receipt of appraisal missing in file. |  |  |  | Reviewer Comment (2022-08-18): Received, Clearing.<br>Seller Comment (2022-08-18): Please see attached Appraisal Proof of Delivery. | 08/18/2022 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 966791415148 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2022-08-23): Evidence of[Redacted]CD receipt received in trailing<br>Seller Comment (2022-08-23): We do not have a wet-signed CD that was issued on 7/30. That CD was e-signed, please see the attached disclosure tracking<br>Reviewer Comment (2022-08-22): The CD issued [Redacted] is the final CD. Since we do not have a signed version, the mailbox rule applies, which makes the date receipt [Redacted]. In order to clear, provide signed CD issued and dated[Redacted] or cure with Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br>Buyer Comment (2022-08-22): On the CD printed on [Redacted], the borrower is actually getting more cash back so there was no need to have the borrower resign the CD. Please review and clear the condition.<br>Reviewer Comment (2022-08-19): The exception is set as there is no signature date on the [Redacted] CD. Provide the CD with the issue date of [Redacted] that is signed the same day, [Redacted] in order to clear.<br>Seller Comment (2022-08-19): Please see attached CD.<br>Reviewer Comment (2022-08-18): We need the signed CD that was provided for the signature date of [Redacted] to resolve this issue.<br>Seller Comment (2022-08-18): Please see attached copy of RTC. | 08/23/2022 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 966791415148 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of[redacted] | Verified Disbursement date is [redacted]and Right to cancel date was [redacted] |  |  |  | Reviewer Comment (2022-08-23): Evidence of [Redacted] CD receipt received in trailing<br>Reviewer Comment (2022-08-22): The CD issued [Redacted] is the final CD. Since we do not have a signed version, the mailbox rule applies, which makes the date receipt [Redacted] In order to clear, provide signed CD issued and dated [Redacted] or cure with Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br>Buyer Comment (2022-08-22): On the CD printed on [Redacted], the borrower is actually getting more cash back so there was no need to have the borrower resign the CD. Please review and clear the condition.<br>Reviewer Comment (2022-08-19): The exception is set as there is no signature date on the[Redacted]CD. Provide the CD with the issue date of [Redacted] that is signed the same day, [Redacted] in order to clear.<br>Seller Comment (2022-08-19): Please see attached CD. | 08/23/2022 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 966791415148 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]incorrectly disclosed whether property taxes are included in escrow. | Verified [redacted] CD disclosed that taxes are included in escrow. |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 966791415148 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted]not received by borrower at least four ([redacted]) business days prior to closing. | Verified borrower signed Loan Estimate on[redacted]. |  |  |  | Reviewer Comment (2022-08-23): Received evidence of E-delivery in trailing documents | 08/23/2022 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 966791415148 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] plus[redacted] or [redacted]. Insufficient or no cure was provided to the borrower. | Fee was disclosed on LE as[redacted] and on Closing Disclosure as[redacted]. File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include[redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 627820488124 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on[redacted] not accurate. |  |  |  |  | Reviewer Comment (2022-08-15): Corrected CD issued prior to reporting corrected costs<br>Seller Comment (2022-08-11): Non- escrowed Property cost is correct for HOA. Please see appraisal | 08/15/2022 |  |  | 1 B A |  | ID | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 914144680055 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - [redacted] 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on[redacted] not accurate. | Per most recent tax bill, annual taxes are [redacted] however [redacted] annually was used in the amount of estimated property costs |  |  |  | Reviewer Comment (2022-08-24): [Redacted] received tax document which states [Redacted] monthly amount which is also matching with CD total property costs over year .<br>Seller Comment (2022-08-23): Please see attached. | 08/24/2022 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 914144680055 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three ([redacted]) business days of application. | Documentation was not received in a timely matter. |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): HOC dated [Redacted]is attached | 08/11/2022 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 424560120365 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on [redacted] not accurate. | Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure |  |  |  | Reviewer Comment (2022-08-17): [Redacted] Received Letter of Explanation & Corrected Closing Disclosure<br>Seller Comment (2022-08-15): copy of corrected PCD<br>Reviewer Comment (2022-08-15): [Redacted] received [Redacted] Corrected CD & LOE to borrower. However, page 4 removed the non-escrowed costs amount but there are non-escrowed costs on HOA of [Redacted]/mo. The acceptable amounts are [redacted],[redacted], or [redacted]month for the Non-Escrowed property Costs oveer Year 1. Corrected CD & LOE to borrower required to cure.<br>Seller Comment (2022-08-11): copy of corrected CD |  | 08/17/2022 |  | 2 B |  | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - [redacted] 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on[redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as[redacted] However the calculated Non-Escrowed Property Costs over Year 1 is[redacted] |  |  |  | Reviewer Comment (2022-08-25): [Redacted] Received PCCD and LOE.<br>Seller Comment (2022-08-24): LOE is attached<br>Reviewer Comment (2022-08-24): [Redacted]received Post CD however we also required LOX in order to clear the exception.<br>Seller Comment (2022-08-23): Please see PCCD correcting the non-escrowed property costs |  | 08/25/2022 |  | 2 B |  | TN | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax without a valid COC. |  |  |  | Reviewer Comment (2022-08-24): [Redacted] Upon review, sufficient cure provided at closing.<br>Seller Comment (2022-08-23): The credit was applied at closing. Please review the Final Settlement Statement and Final CD from[Redacted]. A credit was provided to the borrower at disbursement. | 08/24/2022 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted]exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points without a valid COC. |  |  |  | Reviewer Comment (2022-08-24): [Redacted] Received a copy of COC dated [Redacted] shows a valid reason for change.<br>Seller Comment (2022-08-23): Please see COC attached. | 08/24/2022 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 187841532975 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of [redacted]% of the loan amount or $[redacted]. | Cash to Borrower: ___; Total Cash Out: ___; Refi Purpose: ___ |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] months.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-26): Client approved exception.<br>Reviewer Comment (2022-08-16): Based on guidelines provided from buyer, rate and term cash back to buyer should be the lesser of[redacted]% or [Redacted]<br>Buyer Comment (2022-08-16): UW for Wells allows up to [redacted]% of the principal balance. |  |  | 08/26/2022 | 2 C B |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Lender used[redacted] year average for [redacted] of[redacted]however, most recent years average would be [redacted] Lender also used a positive [redacted] fo[redacted] [redacted]ordinary income, however it is [redacted]The lender calculated the income for the entity as $[redacted] however, it is[redacted] |  |  |  | Reviewer Comment (2022-08-18): Client elects to restate originator designation to NonQM<br>Reviewer Comment (2022-08-16): Lender used 2 year average for [redacted]of [Redacted] however, most recent years average would be [Redacted] Lender also used a positive[Redacted] for [Redacted][redacted] ordinary income, however it is [Redacted]. The lender calculated the income for the entity as [Redacted] however, it is [Redacted]<br>Seller Comment (2022-08-16): Please see the UW income calculation sheet. I do not find any discrepancies with how the UW calculated the income. If you do not agree, please provide a detailed calculation of the discrepancies you are seeing. | 08/18/2022 |  |  | 1 B A C |  | TN | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted] significantly exceeds the guideline maximum of [redacted](DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Lender used[redacted] year average for [redacted] of [redacted] however, most recent years average would be[redacted]. Lender also used a positive [redacted]for [redacted][redacted] ordinary income, however it is[redacted]. The lender calculated the income for the entity a[redacted]h owever, it is[redacted] |  |  |  | Reviewer Comment (2022-08-18): Client elects to restate originator designation to NonQM<br>Reviewer Comment (2022-08-16): Lender used 2 year average for[redacted]of [Redacted] however, most recent years average would be [Redacted]. Lender also used a positive [Redacted] for [Redacted] [redacted] ordinary income, however it is [Redacted]. The lender calculated the income for the entity as [Redacted] however, it is [Redacted]<br>Seller Comment (2022-08-16): Please see the UW income calculation sheet. I do not find any discrepancies with how the UW calculated the income. If you do not agree, please provide a detailed calculation of the discrepancies you are seeing. | 08/18/2022 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2022-08-18): Client elects to restate originator designation to NonQM<br>Reviewer Comment (2022-08-16): Lender used 2 year average for [redacted] of [Redacted] however, most recent years average would be[Redacted]. Lender also used a positive [Redacted] for [Redacted] [redacted] ordinary income, however it is [Redacted]. The lender calculated the income for the entity as[Redacted] however, it is [Redacted]<br>Seller Comment (2022-08-16): Please see the UW income calculation sheet. I do not find any discrepancies with how the UW calculated the income. If you do not agree, please provide a detailed calculation of the discrepancies you are seeing. | 08/18/2022 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2022-08-23): Schedule C business being included to qualify. DTI now in guidelines | 08/23/2022 |  |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 140.87943% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  | Reviewer Comment (2022-08-23): Schedule C business being included to qualify. DTI now in guidelines | 08/23/2022 |  |  | 1 A |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds guidelines |  |  |  | Reviewer Comment (2022-08-23): Schedule C business being included to qualify. DTI now in guidelines | 08/23/2022 |  |  | 1 A |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client elected to restate designation to NonQM |  |  |  | Reviewer Comment (2022-08-26): Accepted as is. |  |  |  | 2 A B |  | TN | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 187841532975 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted]exceeds tolerance of[redacted] Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Upon review, sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-08-24): Sufficient Cure Provided At Closing |  | 08/24/2022 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 814248348386 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-08-18): VVOE received<br>Seller Comment (2022-08-18): Please see attached employment income docs. | 08/18/2022 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 814248348386 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing complete bank statement for account ending [redacted]for the period of [redacted] |  |  |  | Reviewer Comment (2022-08-18): Received, Clearing.<br>Seller Comment (2022-08-18): Please see attached Bank Statement for account [Redacted] | 08/18/2022 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 814248348386 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Missing a valid COC or cure at closing for appraisal fee increase |  |  |  | Reviewer Comment (2022-08-22): [Redacted] received valid COC dated [Redacted]<br>Seller Comment (2022-08-19): Please see attached Change of Circumstance for the appraisal fee increase. | 08/22/2022 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 313634837055 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Both the first and second mortgage being paid off at closing are not the same lender on the note screen |  |  |  | Reviewer Comment (2022-08-22): Received, Clearing.<br>Seller Comment (2022-08-22): LD is the original lender - see Title report | 08/22/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 313634837055 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] is less than amount of binding Lender Credit previously disclosed in the amount of [redacted] | No valid COC or cure provided for lender credit previously disclosed in the amount of[redacted] |  |  |  | Reviewer Comment (2022-08-25): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2022-08-23): PCCD, LOE, refund check, tracking |  | 08/25/2022 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 313634837055 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of hazard insurance |  |  |  | Reviewer Comment (2022-08-22): Received, Clearing.<br>Seller Comment (2022-08-22): HOI and Property Profile - address is a vacant lot | 08/22/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 228803044622 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-08-22): Desk review received<br>Seller Comment (2022-08-22): Please see attached Desk Review in the file. | 08/22/2022 |  |  | 1 D A |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 228803044622 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-08-22): Accepted as is per client |  |  |  | 2 B |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 228803044622 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2022-08-22): Accepted as is per client |  |  |  | 2 B |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 875605385960 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2022-08-23): Received, Clearing, | 08/23/2022 |  |  | 1 D A |  | AZ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 875605385960 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee was disclosed on LE as $[redacted] and on Closing Disclosure as $[redacted] . a cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 875605385960 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted]([redacted]) days of application. | [redacted]disclosure was provided on[redacted] |  |  |  | Reviewer Comment (2022-08-10): Clearing.<br>Seller Comment (2022-08-10): Loan was started out as a 30 years Fixed and change to ARM on [Redacted]. Please see attached. | 08/10/2022 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 875605385960 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three ([redacted]) days of application. | Charm booklet was provided on [redacted] |  |  |  | Reviewer Comment (2022-08-10): Clearing.<br>Seller Comment (2022-08-10): Loan was started out as a 30 years Fixed and change to ARM on [Redacted] Please see attached. | 08/10/2022 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 832889318959 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - [redacted][redacted]Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of[redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Lender used [redacted] tax rate plus special assessments for calculation of property taxes, compared to customary [redacted] for CA purchase |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 539076734048 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than [redacted]days when provided to borrower. |  |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client<br>Reviewer Comment (2022-08-24): 12 CFR 1024.20(a)(1)<br>Buyer Comment (2022-08-24): Can you please provide guidance on where you're getting this info from that the HOC info needs to be updated within 30 days?<br>Reviewer Comment (2022-08-16): Exception is not due to date of receipt to borrower. Exception is due to list date of counseling agencies is older than 30 days from when is was provided to the borrower. The list was last updated on [Redacted] per last page of the document<br>Seller Comment (2022-08-16): Initial application and HOC were provided to the borrower on [Redacted]. Please see attached.<br>Reviewer Comment (2022-08-11): Date of the last up is older than 30 days when provided to borrower. Level 2 exception.<br>Seller Comment (2022-08-11): HOC dated [Redacted] attached |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 384030243368 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than [redacted]0 days when provided to borrower. |  |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client<br>Reviewer Comment (2022-08-11): This is an event level 2 as the date of the list provided was updated last on [Redacted] is older than 30 days hen provided to borrower. Exception remains.<br>Seller Comment (2022-08-11): Application Date [Redacted]. Disclosure Date [Redacted] |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 384030243368 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  | Reviewer Comment (2022-08-12): [redacted]received confirmation that the HOA amount is [Redacted] which is also matching with Final CD non - escrowed property costs.<br>Seller Comment (2022-08-11): Correct HOA fee is [Redacted]/mo. <br>Due to rounding, [Redacted]/mo was used to calculate total for Page 4 Non-Escrowed Property Costs over Year. System does not use Cents so fee was rounded higher to ensure total amount would be covered, otherwise using [Redacted] would be too low. | 08/12/2022 |  |  | 1 B A |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 384030243368 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-12): Sufficient Cure Provided At Closing |  | 08/12/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 729519308695 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 729519308695 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification. |  |  |  |  |  | Reviewer Comment (2022-08-19): Sufficient reserves to cover balance of [redacted]account on file. Exception cleared<br>Buyer Comment (2022-08-19): What exactly do you need to clear this condition? | 08/19/2022 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 800925318356 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | Appraiser's License or certification was not active at the time of the appraisal. Provide letter of explanation or provide a revised appraisal. |  |  |  | Reviewer Comment (2022-08-23): Received, Clearing.<br>Seller Comment (2022-08-23): Appraiser's license was set to expire on [Redacted], she renewed it before it expired so the website shows the renewed certification date of [Redacted]and new expiration date if [Redacted] | 08/23/2022 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 685567693717 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The Affiliated Business Arrangement Disclosure was provided to, and signed by Borrower on [redacted], which is outside of the 3-Business day requirement. Loan Appliction is dated [redacted] |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 685567693717 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The List of Homeownership Counseling Organizations was provided to, and signed by Borrower on [redacted], which is outside of the 3-Business day requirement. Loan Appliction is dated [redacted] |  |  |  | Reviewer Comment (2022-12-15): Accepted as is per client |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 685567693717 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $[redacted] x [redacted]% replacement is insufficient to cover the mortgage amount of $[redacted] with an estimated cost new of $[redacted]. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-08-24): The updated policy is provided.<br>Seller Comment (2022-08-24): Please see attached. Insurance coverage of [Redacted] + [redacted]% cap is sufficient to cover mortgage amount<br>Reviewer Comment (2022-08-23): This property is not in Florida.<br>Seller Comment (2022-08-23): Please see page 34 of the [redacted]Cost Estimator Policy attached. It explains it is illegal to request a replacement cost estimator in [redacted]. Also included, shows that it is LD's policy to make sure coverage is adequate. | 08/24/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 685567693717 |  |  |  |  |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Lender/Servicer is [redacted] Bank. |  |  |  | Reviewer Comment (2022-08-24): The updated policy provided.<br>Seller Comment (2022-08-24): Please updated Hazard Insurance policy reflecting [redacted]as the lender | 08/24/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 923185287431 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The work number VOE is dated [redacted] which is post closing |  |  |  | Reviewer Comment (2022-08-19): Received, Clearing,<br>Seller Comment (2022-08-19): Please see attached | 08/19/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 923185287431 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-08-23): Received, Clearing, | 08/23/2022 |  |  | 1 D A |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 923185287431 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  | Reviewer Comment (2022-08-19): Received, Clearing,<br>Seller Comment (2022-08-19): please see attached | 08/19/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 923185287431 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing unexpired EAD for the borrower |  |  |  | Reviewer Comment (2022-08-19): Received, Clearing,<br>Seller Comment (2022-08-19): please see attached | 08/19/2022 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 923185287431 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt date is prior to appraisal signature date |  |  |  | Reviewer Comment (2022-08-23): Accepted as is. |  |  |  | 2 B |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 923185287431 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Initial rate cap of [redacted]% is greater than guideline maximum of [redacted]% for [redacted] | The representative FICO score is above [redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-18): Client elects to waive with comp factors |  |  | 08/18/2022 | 2 C B |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 923185287431 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower was qualified with [redacted]income however, guidelines are silent on this type of income and FNMA does not allow it. | The representative FICO score is above [redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-09-08): Client elects to waive exception with compensating factors |  |  | 09/08/2022 | 2 B |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 497286606299 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-08-16): Received RCE<br>Seller Comment (2022-08-16): Please see attached replacement cost estimator. | 08/16/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 497286606299 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-10): Sufficient Cure Provided At Closing |  | 08/10/2022 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 984111121449 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee without a valid COC |  |  |  | Reviewer Comment (2022-08-22): [Redacted] Sufficient cure Provided at closing.<br>Seller Comment (2022-08-19): Please see COC attached | 08/22/2022 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 984111121449 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Invalid COC and insufficient cure for appraisal fee increase |  |  |  | Reviewer Comment (2022-08-22): [Redacted] Received valid COC dated [Redacted] therefore no cure required.<br>Seller Comment (2022-08-19): Please see COC attached | 08/22/2022 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 984111121449 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-22): Sufficient Cure Provided At Closing |  | 08/22/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 814511952484 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2022-08-19): Received, Clearing.<br>Seller Comment (2022-08-19): Please see attached Private Mortgage Note copy for [Redacted] [redacted] in the file. | 08/19/2022 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 814511952484 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2022-08-19): Received, Clearing.<br>Seller Comment (2022-08-19): Please see attached documentation in the file which states due to [redacted]Benefits borrower does not pay property taxes. | 08/19/2022 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 814511952484 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Missing payment history for private mortgage secured to [redacted] property |  |  |  | Reviewer Comment (2022-08-19): Received, Clearing.<br>Seller Comment (2022-08-19): Please see attached Payment History for Private Mortgage property in the file. | 08/19/2022 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 619905439127 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing receipt and donor withdrawal of [redacted] from [redacted]donor checking |  |  |  | Reviewer Comment (2022-08-17): Received, cleared<br>Seller Comment (2022-08-16): Please see attached gift funds receipt of[Redacted] and [Redacted] received. | 08/17/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 619905439127 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted]income was used to qualify however guidelines are silent on this income type and FNMA does not allow it | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has been employed in the same industry for more than [redacted] years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-09-15): Client elects to waive with compensating factors |  |  | 09/15/2022 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 858133368312 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): Please review the attached again if you look at the first page it was sent on[Redacted]<br>Reviewer Comment (2022-08-11): Proof provided was for borrower for [Redacted] with consummation being [Redacted] so 3 days prior was not met.<br>Seller Comment (2022-08-11): copy of proof of appraisal delivery | 08/11/2022 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 858133368312 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-08-11): Received, Clearing.<br>Seller Comment (2022-08-11): please review the attached it was sent to the borrower on[Redacted]first page of the appraisal report<br>Reviewer Comment (2022-08-11): Proof provided was for borrower for [Redacted] with consummation being [Redacted] so 3 days prior was not met.<br>Seller Comment (2022-08-11): copy of proof of appraisal delivery | 08/11/2022 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 858133368312 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Verified last Closing Disclosure was dates [redacted] |  |  |  | Reviewer Comment (2022-08-12): [Redacted] Received Disclosure tracking showing borrower received Initial CD on [Redacted]<br>Seller Comment (2022-08-11): copy of data tracking for initial CD | 08/12/2022 |  |  | 1 B A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 858133368312 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | No COC or Cure was provided to Borrower for tolerance overages |  |  |  | Reviewer Comment (2022-08-12): [Redacted] Received valid COC dated [Redacted] therefore no cure required.<br>Seller Comment (2022-08-11): copy of COC for discount fee | 08/12/2022 |  |  | 1 B A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 858133368312 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | No COC or Cure was provided to Borrower for tolerance overages |  |  |  | Reviewer Comment (2022-08-12): [Redacted] Received valid COC dated [Redacted] therefore no cure required.<br>Seller Comment (2022-08-11): copy of coc for appraisal fee | 08/12/2022 |  |  | 1 B A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 849992599610 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 849992599610 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The Final CD disclosed an amount of Non Escrowed fees of [redacted] and the valuation in file Disclosed an amount of [redacted] on HOA dues. Provide a post close CD correcting the Non Escrow section and a letter of explanation letter sent to the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 B |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 849992599610 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the rights to receive a copy of Appraisal on [redacted], however missing evidence of receipt of appraisal prior to or at closing |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 849992599610 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Evidence of earlier receipt was missing from the file |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | GA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 849992599610 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Undiscounted rate/cost missing in file to determine if any or all of the discount points can be excluded from the finance charge. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 878087575516 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted] business days prior to consummation. | Missing Appraisal Acknowledgement of receipt. Unable to determine appraisal timing |  |  |  | Reviewer Comment (2022-08-19): Accepted as is<br>Buyer Comment (2022-08-19): Level 2, Please waive |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 723903351362 |  |  |  |  |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Lender to provide a copy of the final title policy. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 1 A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 723903351362 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows [redacted]. Provide a post-close CD correcting the seller-paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 1 A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 723903351362 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal is dated [redacted] and was provided to Borrowers on [redacted]. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 723903351362 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | The HOA cert of [redacted] in section B was not included in the finance charge calculation at origination. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 958550340216 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Final closing disclosure provided on [redacted] dis not disclosure provided Contact Information Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 958550340216 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Seller Paid Fees on the Sellers Closing Disclosure are not consistent with those on the Borrowers final CD. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 1 A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 958550340216 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Fee was disclosed[redacted] . File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted] .a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 958550340216 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on LE it eas disclosed on Closing Disclosure as [redacted]. File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 958550340216 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Fee was disclosed on LE as [redacted] and on Closing Disclosure as $[redacted]. a cure for [redacted] was provided to the Borrower. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 958550340216 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement Service Provider missing in file. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 1 A |  | FL | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 958550340216 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Loan estimate of was provided on [redacted] .Document was not signed and no proof of delivery in file. |  |  |  | Reviewer Comment (2022-11-16): Accepted as is. |  |  |  | 2 C B |  | FL | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 493958372286 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - [redacted] [redacted]Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the amount of Total Property Costs over Year 1 as [redacted] on page 4; however the annual taxes ([redacted]) and homeowners insurance ([redacted]) are [redacted] per year. Final CD reflects Estimated Taxes and Insurance of [redacted] monthly, correct amount is [redacted]. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 491478264717 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted] Constitution Section 50(a)(6): [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. |  |  |  |  | Reviewer Comment (2022-09-06): Received, Clearing.<br>Seller Comment (2022-09-06): Comment from [Redacted] ([redacted]): Disagree - The 1003/application was sent and executed on[Redacted], which is one (1) business day prior to closing he same information as the Final on [Redacted] executed day of closing. The information did not change on the 1003/application provided to the borrower on [Redacted] versus the Final 1003/application executed at the closing [Redacted] | 09/06/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  | Reviewer Comment (2022-08-31): Restated.<br>Buyer Comment (2022-08-31): Being restated to NQM - No Ratio program | 08/31/2022 |  |  | 1 C A |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - DTI | General QM: No debt to income ratio (or a negative or zero ratio) was provided to demonstrate ability to repay. |  |  |  |  | Reviewer Comment (2022-08-31): Restated.<br>Buyer Comment (2022-08-31): Being restated to NQM - No Ratio program | 08/31/2022 |  |  | 1 C A |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Verified Loan Designation of Safe Harbor QM |  |  |  | Reviewer Comment (2022-08-31): Restated.<br>Buyer Comment (2022-08-31): Loan is a No Ratio program - please restate to NQM as it can't pass QM testing without the debt ratios | 08/31/2022 |  |  | 1 B A C |  | AR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure did not state if escrows were declined or lender does not provide |  |  |  | Reviewer Comment (2022-09-07): [Redacted] received LOE and corrected closing disclosure.<br>Reviewer Comment (2022-09-07): Exception cleared in error.<br>Reviewer Comment (2022-09-07): Received, Clearing.<br>Seller Comment (2022-09-07): Comment from [Redacted]l ([Redacted]): Uploaded attached PCCD provided to complete the No Escrow section on CD page [Redacted]to reflect the Escrow Waiver on file and the LOX. |  | 09/07/2022 |  | 2 C B |  | AR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  | Reviewer Comment (2022-08-31): Clearing. | 08/31/2022 |  |  | 1 A |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No DTI Provided | Ability to Repay (Dodd-Frank 2014): No debt to income ratio (or a negative or zero ratio) was provided to demonstrate ability to repay. |  |  |  |  | Reviewer Comment (2022-08-31): Clearing. | 08/31/2022 |  |  | 1 A |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Restated. |  |  |  | Reviewer Comment (2022-08-31): Clearing. | 08/31/2022 |  |  | 1 A |  | AR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Restated. |  |  |  | Reviewer Comment (2022-08-31): Clearing. | 08/31/2022 |  |  | 1 A |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2022-12-21): Received, Clearing. | 12/21/2022 |  |  | 1 A |  | AR | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 597179123108 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | General Ability To Repay Provision Asset Qualification Loan | Ability to Repay (Dodd-Frank 2014): It is questionable whether this loan meets ATR requirements. |  |  |  |  | Reviewer Comment (2022-12-21): Received, Clearing. | 12/21/2022 |  |  | 1 A |  | AR | Primary | Purchase | C B A | Non QM | Non QM | No |
| 194956207629 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). |  |  |  | Reviewer Comment (2022-09-07): Client elects to restate to NonQM<br>Buyer Comment (2022-09-07): Comment from [Redacted] ([redacted]: Please reinstate to NQM<br>Seller Comment (2022-09-07): Comment from [Redacted]([redacted]): Disagree - this Loan Designation should be restated, uploaded [Redacted] Compliance Test Report. | 09/07/2022 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Non QM | Yes |
| 194956207629 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Require [redacted] or more Months | General QM: Guidelines require [redacted] or more consecutive months bank statements. | We have a designation mismatch, the bid tape designation was Higher Priced (APOR) but we calculated it to be Safe Harbor QM (APOR). |  |  |  | Reviewer Comment (2022-09-07): Client elects to restate to NonQM | 09/07/2022 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Non QM | No |
| 194956207629 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client elects to restate to NonQM |  |  |  |  |  |  |  | 2 A B |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Non QM | No |

---

## Exhibit 99.10

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 843145560429 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -2.706% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 277874761383 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -0.535% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 849758994202 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 36.600% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 265204850581 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 476317880709 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 5.735% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 502268493361 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 12.237% |  |  | AVM |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 311188826466 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -9.747% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 934762767007 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -2.500% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 928253116911 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -6.001% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 488796414945 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 587487946906 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -2.698% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 193778146811 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -4.462% |  |  | AVM |  | 0.036 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 329087758331 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -0.777% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 731816246013 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -7.929% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 584519509375 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -50.045% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 433320034375 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  | -4.157% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 573205990441 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 673195167976 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 490089455739 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 386380347522 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 789642857870 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 184689186464 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 196491491204 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 734274100643 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 500742244659 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 855641228100 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 973145509378 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 238869253768 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 941089491187 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 280442958703 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 576876031833 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| 862018220171 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 566831941249 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 835007344681 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 356381476273 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 732420964096 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 706912749590 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.40 |
| 497267738773 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 634395085561 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 199777633406 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 391827102759 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 924130419896 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 406343650038 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -2.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | -2.500% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 423501612414 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 816693792704 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 627644567490 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 871521289867 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 415275919087 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 754793703822 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 776615749895 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| 517461267483 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 593704122594 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -19.202% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -19.202% |  |  |  |  |  |  | N/A |  |
| 367522174210 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -2.022% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| 974946465336 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 377279111753 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 647514423014 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 106065898028 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 124058050675 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 610261274676 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 448198060952 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 677421197678 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 734832386660 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 561435414966 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 657915518463 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 550828897282 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 |
| 661105138939 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 259543106395 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 828276501738 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 137881445456 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 402366647903 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 108327973568 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 102890128230 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 885478358379 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 537661511571 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 131256909923 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| 417294750989 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -8.041% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 222220283525 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 996532172257 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 992163048812 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.481% |  |  | Desk Review |  |  |  |  | -9.654% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 607894761806 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| 999711265939 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 835558888646 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| 869289038008 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -8.824% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 375002161215 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 406352004829 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 895961066197 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 729569031686 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.522% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| 679228238361 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 161138793305 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 272689006175 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 862796843368 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 657016544612 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| 837224882121 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 968304848284 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| 876812860775 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 766671583427 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 861463326395 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 178773745014 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -1.282% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 212440933824 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 722842258802 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| 368462848188 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 605119565540 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 130100323696 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 150983391182 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 694315312914 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| 112056266946 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 776317655251 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 438382297261 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 138411752865 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.30 |
| 501774516174 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 396272468839 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 936595250181 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| 922482675931 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 759983891133 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 962025443172 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 682164036792 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 933577187491 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| 209521974567 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 |
| 435232313188 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 684178078948 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 516262146228 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 742950338247 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 11.320% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 11.320% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 370803000540 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 728218342656 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 201928803725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 802962068473 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 500263848378 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 824720589257 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  | -12.195% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 168739722005 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 837454956108 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 999.00 |
| 220762360367 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 6.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| 782636654261 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 102089297286 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 989852185655 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 244640633202 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 541433136583 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 783410129592 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 487243928720 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 350898455341 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 749610910098 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 493223319623 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 138574315970 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 329633951525 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 530813687838 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 485214738154 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 849579916022 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 681311542751 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 959587485228 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| 269652525044 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 853455461955 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 751441053442 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 239322039782 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 479362733862 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 442524977044 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| 108682444149 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 441630088115 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 633123754731 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 670027038621 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 3.211% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 829753776774 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| 401181020362 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  | 24.851% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.851% |  |  |  |  |  |  | N/A |  |
| 210093415289 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 17.536% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.60 |
| 322628533534 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 256998328102 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 442314838309 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.90 |
| 127434281143 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| 433794027057 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| 835518393013 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| 171711630480 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 643926988835 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 125747346933 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 604314163693 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 968714166542 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 184129565729 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 804065070708 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 987253531623 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 492494747914 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 927942501608 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 966791415148 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 627820488124 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 914144680055 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 424560120365 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 187841532975 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| 814248348386 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 313634837055 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 228803044622 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| 254229153458 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 875605385960 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.60 |
| 849950969581 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 832889318959 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| 539076734048 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 384030243368 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| 729519308695 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 886945312733 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 800925318356 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -0.450% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 748169041167 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 685567693717 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 923185287431 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| 497286606299 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 526503225268 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 984111121449 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 3.448% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| 814511952484 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| 619905439127 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.70 |
| 858133368312 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.500% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| 849992599610 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 878087575516 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 723903351362 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 522348777658 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| 958550340216 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.40 |
| 539090386399 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 493958372286 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 953378645243 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| 117985217468 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 187087583386 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| 491478264717 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 597179123108 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 194956207629 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |

---

## Exhibit 99.11

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** |
| 843145560429 |  |  |  | Exempt from ATR |  | Yes | No | $4612.50 | $5584.00 |  | 6.244% | $798.58 | $798.58 | 5.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $3641.84 | 1 | $1518.00 | $633.96 |  |  |  |  |  | 33.576% | 33.576% | 33.576% | 06/03/2021 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4612.50 |  | 3.070% | $0.00 |  |  |  |  | N/A | No | 5.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $64850.46 | 36.000% |  |  |  |  |  |  |
| 277874761383 |  |  |  | Exempt from ATR |  | Yes | No | $8965.00 | $9975.00 |  | 4.513% | $2072.36 | $2072.36 | 11.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7929.68 | 1 | $3498.00 | $1613.76 |  |  |  |  |  | 39.929% | 50.134% | 39.929% | 06/16/2021 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8965.00 |  | 2.740% | $0.00 |  |  |  |  | N/A | No | 5.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $179052.37 | 37.000% |  |  |  |  |  |  |
| 849758994202 |  |  |  | Exempt from ATR |  | Yes | No | $14700.00 | $17111.18 |  | 5.878% | $6565.19 | $6565.19 | 5.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $56827.99 | 1 | $18384.00 | $10088.04 |  |  |  |  |  | 21.346% | 21.346% | 21.346% | 06/24/2021 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14700.00 |  | 3.010% | $0.00 |  |  |  |  | N/A | No | 5.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  |  | $523527.29 | 35.000% |  |  |  |  |  |  |
| 265204850581 |  |  |  | Exempt from ATR |  | Yes | No | $8627.50 | $9251.36 |  | 5.159% | $1500.31 | $1500.31 | 4.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9589.08 | 1 | $5850.00 | $4527.60 |  |  |  |  |  | 30.464% | 30.464% | 30.464% | 06/23/2021 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Business License - 2021<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2021<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8627.50 |  | 2.950% | $0.00 |  |  |  |  | N/A | No | 4.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  |  | $146124.32 | 36.000% |  |  |  |  |  |  |
| 476317880709 |  |  |  | Exempt from ATR |  | Yes | No | $31976.10 | $34603.93 |  | 5.400% | $10900.50 | $10900.50 | 5.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $53358.74 | 1 | $18784.92 | $5043.00 |  |  |  |  |  | 24.430% | 24.430% | 24.430% | 06/17/2021 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $31976.10 |  | 3.010% | $0.00 |  |  |  |  | N/A | No | 5.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  |  | $478295.74 |  |  |  |  |  |  |  |
| 502268493361 |  |  |  | Exempt from ATR |  | Yes | No | $12000.00 | $12989.06 |  | 5.528% | $2302.69 | $2302.69 | 5.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19310.14 | 1 | $13128.00 | $2765.04 |  |  |  |  |  | 30.014% | 30.014% | 30.014% | 06/04/2021 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12000.00 |  | 3.070% | $0.00 |  |  |  |  | N/A | No | 5.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $293261.07 |  |  |  |  |  |  |  |
| 311188826466 |  |  |  | Exempt from ATR |  | Yes | No | $12086.88 | $13581.72 |  | 5.764% | $2661.51 | $2661.51 | 5.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6026.90 | 2 | $6401.04 | $1238.04 |  |  |  |  |  | 40.715% | 40.715% | 40.715% | 05/10/2021 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12086.88 |  | 2.830% | $0.00 |  |  |  |  | N/A | No | 5.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.10 | No |  |  |  |  |  |  |  |  |  |  | $198968.32 | 32.000% |  |  |  |  |  |  |
| 934762767007 |  |  |  | Exempt from ATR |  | Yes | No | $16575.00 | $19916.25 |  | 5.960% | $2878.28 | $2878.28 | 5.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30230.57 | 1 | $3817.20 | $1482.00 |  |  |  |  |  | 12.475% | 12.475% | 12.475% | 06/16/2021 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16575.00 |  | 3.030% | $0.00 |  |  |  |  | N/A | No | 5.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  |  | $211767.14 | 34.000% |  |  |  |  |  |  |
| 928253116911 |  |  |  | Exempt from ATR |  | Yes | No | $10255.00 | $13672.50 |  | 5.841% | $2855.26 | $2855.26 | 5.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12298.64 | 1 | $4666.20 | $1166.04 |  |  |  |  |  | 22.352% | 22.352% | 22.352% | 06/09/2021 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2010<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Business License - 2018 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10255.00 |  | 2.830% | $0.00 |  |  |  |  | N/A | No | 5.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  |  | $65100.00 | 11.000% |  |  |  |  |  |  |
| 488796414945 |  |  |  | Exempt from ATR |  | Yes | No | $18825.00 | $28171.88 |  | 5.774% | $7944.06 | $7944.06 | 5.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $137840.58 | 1 | $21875.04 | $1212.00 |  |  |  |  |  | 12.472% | 12.472% | 12.472% | 06/18/2021 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18825.00 |  | 2.830% | $2500.00 | 2.3 |  |  |  | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $610707.60 | 35.000% |  |  |  |  |  |  |
| 587487946906 |  |  |  | Exempt from ATR |  | Yes | No | $21975.00 | $23241.67 |  | 6.355% | $3837.12 | $3837.12 | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7658.63 | 2 | $9180.00 | $2751.00 |  |  |  |  |  | 38.682% | 38.682% | 38.682% | 06/15/2021 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21975.00 |  | 3.010% | $0.00 |  |  |  |  | N/A | No | 6.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $236918.11 |  |  |  |  |  |  |  |
| 193778146811 |  |  |  | Exempt from ATR |  | Yes | No | $5815.00 | $7764.69 |  | 4.965% | $1486.69 | $1486.69 | 4.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5399.22 | 1 | $10037.52 | $963.00 |  |  |  |  |  | 36.812% | 36.812% | 36.812% | 04/06/2021 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5815.00 |  | 2.990% | $0.00 |  |  |  |  | N/A | No | 4.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $231704.38 | 48.000% |  |  |  |  |  |  |
| 329087758331 |  |  |  | Exempt from ATR |  | Yes | No | $8527.50 | $10369.72 |  | 5.284% | $1648.04 | $1648.04 | 5.000% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $4716.54 | 1 | $1932.84 | $1182.00 |  |  |  |  |  | 34.337% | 34.337% | 34.337% | 04/05/2021 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8527.50 |  | 2.990% | $0.00 |  |  |  |  | N/A | No | 5.000% | 0 | 0 | 1 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  |  | $153641.96 | 37.000% |  |  |  |  |  |  |
| 731816246013 |  |  |  | Exempt from ATR |  | Yes | No | $12375.00 | $14811.67 |  | 6.016% | $2801.15 | $2801.15 | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5664.27 | 1 | $13140.00 | $2100.00 |  |  |  |  |  | 42.474% | 42.474% | 42.474% | 04/09/2021 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12375.00 |  | 2.990% | $0.00 |  |  |  |  | N/A | No | 5.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  |  | $216338.82 | 33.000% |  |  |  |  |  |  |
| 584519509375 |  |  |  | Exempt from ATR |  | Yes | No | $12450.00 | $13143.79 |  | 5.866% | $2871.09 | $2871.09 | 5.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21043.58 | 1 | $7038.00 | $6009.96 |  |  |  |  |  | 32.135% | 32.135% | 32.135% | 05/07/2021 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12450.00 |  | 3.010% | $0.00 |  |  |  |  | N/A | No | 5.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  |  | $248816.49 | 37.000% |  |  |  |  |  |  |
| 433320034375 |  |  |  | Exempt from ATR |  | Yes | No | $4480.00 | $5303.75 |  | 6.392% | $1708.81 | $1708.81 | 6.000% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $9087.51 | 2 | $4374.00 | $4582.20 |  |  |  |  |  | 27.339% | 27.339% | 27.339% | 06/02/2021 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4480.00 |  | 2.310% | $0.00 |  |  |  |  | N/A | No | 6.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  |  | $99225.81 | 37.000% |  |  |  |  |  |  |
| 573205990441 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $15670.00 | $5242.00 |  | 4.006% | $4819.25 | $4819.25 | 3.975% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7933.96 | 1 | $17375.04 | $1342.20 |  |  |  |  |  | 45.101% | 45.101% | 45.101% | 07/06/2021 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15670.00 |  | 2.930% | $0.00 |  |  |  |  | N/A | No | 3.975% | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $651700.11 | 47.000% |  |  |  |  |  |  |
| 673195167976 |  |  |  | Non QM |  | Yes | No | $8498.75 | $9441.15 |  | 4.136% | $1001.07 | $1001.07 | 3.775% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $3254.04 | 1 | $3927.12 | $765.00 |  |  |  |  |  | 29.962% | 29.962% | 29.962% | 06/09/2021 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8498.75 |  | 2.820% | $17365.15 | 1 |  |  |  | Yes | No | 3.775% | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $8739.94 | 2.000% |  |  |  |  |  |  |
| 490089455739 |  |  |  | Non QM |  | Yes | No | $4903.75 | $2624.86 |  | 5.319% | $1251.37 | $1251.37 | 5.225% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $2150.58 | 1 | $3937.56 | $614.04 |  |  |  |  |  | 44.231% | 44.231% | 44.231% | 08/11/2021 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4903.75 |  | 2.930% | $1000.00 | 1 |  |  |  | Yes | No | 5.225% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  |  | $189210.71 | 60.000% |  |  |  |  |  |  |
| 386380347522 |  |  |  | Non QM |  | Yes | No | $4562.50 | $6222.12 |  | 5.051% | $1623.35 | $1623.35 | 4.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $2534.13 | 1 | $3941.40 | $800.52 |  |  |  |  |  | 48.987% | 48.987% | 48.987% | 08/13/2021 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2021<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4562.50 |  | 2.910% | $0.00 | 2.6 |  |  |  | Yes | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $162061.88 | 38.000% |  |  |  |  |  |  |
| 789642857870 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $16353.64 | $19549.78 |  | 3.974% | $6658.56 | $6658.56 | 3.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17957.86 | 1 | $26235.96 | $3195.96 |  |  |  |  |  | 40.810% | 40.810% | 40.810% | 03/15/2021 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16353.64 |  | 3.010% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | 3.875% | 0 |  | 2 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  | Not Stated |  |  |  |  | $59252.79 |  |  |  |  |  |  |  |
| 184689186464 |  |  |  | Non QM |  | Yes | No | $4315.20 | $4521.70 |  | 5.058% | $624.17 | $624.17 | 4.725% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $2159.36 | 1 | $3818.64 | $702.96 |  |  |  |  |  | 33.112% | 33.112% | 33.112% | 08/05/2021 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4315.20 |  | 2.850% | $0.00 |  |  |  |  | N/A | No | 4.725% | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $30169.76 |  |  |  |  |  |  |  |
| 196491491204 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 3.118% | $2548.83 | $2548.83 | 3.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5247.50 | 3 | $6547.92 | $1589.40 |  |  |  |  |  | 17.785% | 17.785% | 17.785% | 08/25/2021 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 2.920% | $0.00 |  | DU |  | ApproveEligible | No | No | 3.125% | 0 |  | 1 | 0 | 3 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $418667.34 |  |  |  |  |  |  |  |
| 734274100643 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 3.118% | $2548.83 | $2548.83 | 3.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3996.24 | 3 | $6547.92 | $1589.40 |  |  |  |  |  | 23.798% | 23.798% | 23.798% | 08/25/2021 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 2.920% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 3.125% | 0 |  | 1 | 0 | 3 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $503576.67 |  |  |  |  |  |  |  |
| 500742244659 |  |  |  | Non QM |  | Yes | No | $7735.00 | $9186.60 |  | 4.805% | $1594.79 | $1594.79 | 4.575% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5808.52 | 1 | $6714.24 | $1382.04 |  |  |  |  |  | 31.857% | 31.857% | 31.857% | 08/18/2021 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 26 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7735.00 |  | 2.930% | $0.00 | 3.3 |  |  |  | No | No | 4.575% | 0 |  | 0 | 0 | 3 | 0 | 26 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $132990.68 | 33.000% |  |  |  |  |  |  |
| 855641228100 |  |  |  | Non QM |  | Yes | No | $9426.25 | $11681.46 |  | 5.219% | $1796.33 | $1796.33 | 4.925% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2775.32 | 1 | $1647.24 | $1008.96 |  |  |  |  |  | 46.391% | 46.391% | 46.391% | 08/02/2021 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9426.25 |  | 2.910% | $0.00 | 2.6 |  |  |  | No | No | 4.925% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $26819.55 | 7.000% |  |  |  |  |  |  |
| 973145509378 |  |  |  | Non QM |  | Yes | No | $6645.60 | $7530.52 |  | 6.027% | $1146.64 | $1146.64 | 5.675% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5549.07 | 1 | $5053.92 | $1014.96 |  |  |  |  |  | 44.921% | 44.921% | 44.921% | 10/08/2021 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  |  | $6645.60 |  | 2.930% | $25000.00 | 2.6 |  |  |  | N/A | No | 5.675% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $414045.36 | 100.000% |  |  |  |  |  |  |
| 238869253768 |  |  |  | Non QM |  | Yes | No | $995.00 | $2834.60 |  | 5.247% | $1915.02 | $1915.02 | 5.200% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $17332.01 | 1 | $10200.12 | $815.52 |  |  |  |  |  | 17.183% | 17.183% | 17.183% | 07/21/2021 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $995.00 |  | 2.920% | $5000.00 | 1 |  |  |  | N/A | No | 5.200% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $30000.00 | 6.000% |  |  |  |  |  |  |
| 941089491187 |  |  |  | Non QM |  | Yes | No | $9111.00 | $10148.59 |  | 5.071% | $1439.75 | $1439.75 | 4.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5145.97 | 1 | $6647.40 | $1323.96 |  |  |  |  |  | 34.646% | 34.646% | 34.646% | 10/04/2021 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9111.00 |  | 3.060% | $0.00 |  |  |  |  | N/A | No | 4.750% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $20417.01 |  |  |  |  |  |  |  |
| 280442958703 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $6715.00 | $10569.69 |  | 4.743% | $2371.74 | $2371.74 | 4.575% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $4541.74 | 1 | $7437.48 | $552.00 |  |  |  |  |  | 46.707% | 46.707% | 46.707% | 09/07/2021 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6715.00 |  | 3.100% | $500.00 | 1.2 |  |  |  | Yes | No | 4.575% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $241432.56 | 41.000% |  |  |  |  |  |  |
| 576876031833 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $15789.48 | $17594.99 |  | 5.011% | $5667.82 | $5667.82 | 4.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7886.09 | 1 | $10566.00 | $1511.04 |  |  |  |  |  | 49.928% | 49.928% | 49.928% | 11/15/2021 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15789.48 |  | 3.140% | $0.00 | 1.8 |  |  |  | Yes | No | 4.875% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $43862.17 |  |  |  |  |  |  |  |
| 862018220171 |  |  |  | N/A |  | Yes | No |  |  |  |  | $3012.72 | $3012.72 | 5.663% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $9630.00 | $10586.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2021 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 |  |  |  |  | No | No | 5.663% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 240 |  | $96416.01 | 12.000% |  |  |  |  |  |  |
| 566831941249 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $825.00 | $1897.75 |  | 3.018% | $2782.59 | $2782.59 | 3.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5494.07 | 1 | $6038.04 | $2118.96 |  |  |  |  |  | 49.632% | 49.632% | 49.632% | 08/03/2021 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; Deposit Receipt - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $825.00 |  | 2.820% | $0.00 | 1 |  |  |  | N/A | No | 3.000% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  |  | $2864967.49 | 100.000% |  |  |  |  |  |  |
| 835007344681 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $17495.00 | $21908.84 |  | 3.969% | $7523.79 | $7523.79 | 3.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20104.47 | 2 | $17663.64 | $1311.96 |  |  |  |  |  | 45.137% | 45.137% | 45.137% | 12/06/2021 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17495.00 |  | 3.160% | $0.00 |  |  |  |  | No | No | 3.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $82751.59 |  |  |  |  |  |  |  |
| 356381476273 |  |  |  | Non QM |  | Yes | No | $14721.00 | $16393.50 |  | 4.528% | $2361.31 | $2361.31 | 4.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $9949.25 | 1 | $8012.76 | $3148.32 |  |  |  |  |  | 32.000% | 32.000% | 32.000% | 09/20/2021 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14721.00 |  | 3.160% | $0.00 |  |  |  |  | N/A | No | 4.250% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $200643.57 | 31.000% |  |  |  |  |  |  |
| 732420964096 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $31892.92 | $32768.94 |  | 4.752% | $5695.65 | $5695.65 | 4.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11761.98 | 1 | $5075.76 | $3304.92 |  |  |  |  |  | 47.539% | 47.539% | 47.539% | 12/06/2021 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $31892.92 |  | 7.170% | $1000.00 | 1 |  |  |  | No | No | 4.500% | 0 |  | 2 | 0 | 3 | 2 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $30000.00 | 2.000% |  |  |  |  |  |  |
| 706912749590 |  |  |  | Non QM |  | Yes | No | $7026.25 | $8619.53 |  | 5.520% | $1410.88 | $1410.88 | 5.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $61632.86 | 1 | $6559.08 | $1436.04 |  |  |  |  |  | 4.533% | 4.533% | 4.533% | 09/20/2021 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7026.25 |  | 3.160% | $0.00 | 4.4 |  |  |  | N/A | No | 5.250% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1000.30 |  |  |  |  |  |  |  |
| 497267738773 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $25495.00 | $32660.00 |  | 3.576% | $5305.15 | $5305.15 | 3.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8016.68 | 1 | $29375.04 | $2275.20 |  |  |  |  |  | 49.768% | 49.768% | 49.768% | 12/14/2021 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2021<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2018 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $25495.00 |  | 3.170% | $0.00 | 1.8 |  |  |  | No | No | 3.375% | 0 |  | 2 | 0 | 3 | 2 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  |  | $1232480.54 | 52.000% |  |  |  |  |  |  |
| 634395085561 |  |  |  | Non QM |  | Yes | No | $9771.00 | $10579.00 |  | 4.807% | $1520.06 | $1520.06 | 4.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4215.90 | 2 | $7681.44 | $1295.04 |  |  |  |  |  | 38.580% | 38.580% | 38.580% | 11/09/2021 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9771.00 |  | 3.160% | $0.00 |  |  |  |  | N/A | No | 4.500% | 2 |  | 2 | 0 | 2 | 2 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  |  | $140774.90 | 35.000% |  |  |  |  |  |  |
| 199777633406 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $8315.50 | $9796.72 |  | 5.300% | $2475.78 | $2475.78 | 5.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8203.68 | 1 | $8144.76 | $545.16 |  |  |  |  |  | 44.096% | 44.096% | 44.096% | 12/01/2021 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8315.50 |  | 3.100% | $0.00 | 1 |  |  |  | Yes | No | 5.125% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $25984.17 |  |  |  |  |  |  |  |
| 391827102759 |  |  |  | Non QM |  | Yes | No | $29552.90 | $41663.31 |  | 3.710% | $3196.59 | $3196.59 | 3.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $42482.06 | 1 | $14124.96 | $1707.96 |  |  |  |  |  | 14.892% | 14.892% | 14.892% | 12/12/2021 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $29552.90 |  | 3.100% | $52500.00 | 2.6 |  |  |  | No | No | 3.250% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $445634.52 | 39.000% |  |  |  |  |  |  |
| 924130419896 |  |  |  | Non QM |  | Yes | No | $13076.12 | $14682.98 |  | 4.949% | $2024.42 | $2024.42 | 4.625% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5056.81 | 1 | $7892.88 | $1941.96 |  |  |  |  |  | 41.041% | 41.041% | 41.041% | 11/17/2021 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13076.12 |  | 3.280% | $165000.00 | 1 |  |  |  | N/A | No | 4.625% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $18773.90 | 4.000% |  |  |  |  |  |  |
| 406343650038 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1150.00 | $4376.48 |  | 4.633% | $9562.99 | $9562.99 | 4.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31557.06 | 1 | $21394.20 | $2688.96 |  |  |  |  |  | 33.623% | 33.623% | 33.623% | 12/21/2021 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1150.00 |  | 3.280% | $0.00 |  |  |  |  | N/A | No | 4.625% | 2 |  | 2 | 0 | 2 | 2 |  |  | 22.97 | No |  |  |  |  |  | Not Stated |  |  |  |  | $789546.94 | 34.000% |  |  |  |  |  |  |
| 423501612414 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $7270.00 | $7780.52 |  | 4.071% | $1551.78 | $1551.78 | 3.875% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $9264.73 | 1 | $6556.92 | $1006.20 |  |  |  |  |  | 19.309% | 19.309% | 19.309% | 12/07/2021 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7270.00 |  | 3.280% | $0.00 | 1 |  |  |  | Yes | No | 3.875% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $99895.76 |  |  |  |  |  |  |  |
| 816693792704 |  |  |  | Non QM |  | Yes | No | $14496.63 | $7930.92 |  | 4.680% | $1729.06 | $1729.06 | 4.500% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $4047.53 | 1 | $5687.52 | $965.16 |  |  |  |  |  | 37.499% | 37.499% | 37.499% | 12/28/2021 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14496.63 |  | 3.160% | $5700.00 | 1.2 |  |  |  | No | No | 4.500% | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $169594.63 | 37.000% |  |  |  |  |  |  |
| 627644567490 |  |  |  | Non QM |  | Yes | No | $9216.90 | $11484.40 |  | 4.746% | $1874.74 | $1874.74 | 4.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $48286.31 | 1 | $10088.40 | $903.00 |  |  |  |  |  | 6.904% | 6.904% | 6.904% | 12/16/2021 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9216.90 |  | 3.510% | $0.00 | 1 |  |  |  | No | No | 4.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $149007.39 |  |  |  |  |  |  |  |
| 871521289867 |  |  |  | Non QM |  | Yes | No | $7050.00 | $9085.10 |  | 4.744% | $1008.56 | $1008.56 | 4.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $1956.27 | 1 | $2883.48 | $935.04 |  |  |  |  |  | 49.968% | 49.968% | 49.968% | 01/19/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7050.00 |  | 3.510% | $0.00 | 2 |  |  |  | Yes | No | 4.375% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $687.55 |  |  |  |  |  |  |  |
| 415275919087 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $26799.00 | $39255.48 |  | 3.567% | $4317.25 | $4317.25 | 3.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7936.73 | 1 | $11435.88 | $2367.96 |  |  |  |  |  | 48.131% | 48.131% | 48.131% | 01/03/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26799.00 |  | 3.160% | $0.00 | 1 |  |  |  | Yes | No | 3.250% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $354376.24 | 29.000% |  |  |  |  |  |  |
| 754793703822 |  |  |  | Non QM |  | Yes | No | $12616.50 | $13260.90 |  | 4.000% | $1345.35 | $1345.35 | 3.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $2278.81 | 1 | $5182.56 | $2181.00 |  |  |  |  |  | 49.346% | 49.346% | 49.346% | 10/05/2021 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2013 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12616.50 |  | 3.140% | $0.00 | 2.6 |  |  |  | Yes | No | 3.625% | 0 |  | 2 | 0 | 3 | 2 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  |  | $19617.96 |  |  |  |  |  |  |  |
| 776615749895 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $32308.75 | $34316.15 |  | 4.512% | $5512.19 | $5512.19 | 4.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12039.09 | 1 | $2768.52 | $2891.04 |  |  |  |  |  | 41.864% | 41.864% | 41.864% | 09/21/2021 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $32308.75 |  | 3.200% | $0.00 | 4.6 |  |  |  | No | No | 4.250% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $167682.53 | 13.000% |  |  |  |  |  |  |
| 517461267483 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $17358.40 | $17638.82 |  | 4.422% | $4329.07 | $4329.07 | 4.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23420.99 | 1 | $1879.56 | $4102.80 |  |  |  |  |  | 25.920% | 25.920% | 25.920% | 09/07/2021 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17358.40 |  | 3.140% | $0.00 | 1.1 |  |  |  | Yes | No | 4.250% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $236380.25 |  |  |  |  |  |  |  |
| 593704122594 |  |  |  | N/A |  | Yes | No |  |  |  |  | $2123.50 | $2123.50 | 5.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $7294.44 | $1179.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/22/2021 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 |  |  |  |  | N/A | No | 5.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  |  | $157431.52 | 30.000% |  |  |  |  |  |  |
| 367522174210 |  |  |  | Non QM |  | Yes | No | $9977.25 | $11756.19 |  | 5.180% | $1627.32 | $1627.32 | 4.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5191.58 | 1 | $8158.80 | $1002.00 |  |  |  |  |  | 35.221% | 35.221% | 35.221% | 12/11/2021 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Account Statements - Business - 2021 | [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9977.25 |  | 3.170% | $0.00 | 3 |  |  |  | No | No | 4.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $131400.00 | 32.000% |  |  |  |  |  |  |
| 974946465336 |  |  |  | Non QM |  | Yes | No | $7735.00 | $9459.13 |  | 4.368% | $1512.11 | $1512.11 | 4.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $10171.84 | 1 | $4828.08 | $417.00 |  |  |  |  |  | 26.916% | 26.916% | 26.916% | 12/08/2021 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7735.00 |  | 3.170% | $0.00 | 1 | LP / LPA |  | Accept | No | No | 4.125% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $108022.25 | 23.000% |  |  |  |  |  |  |
| 377279111753 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $14353.76 | $17039.11 |  | 4.981% | $6524.41 | $6524.41 | 4.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36276.40 | 1 | $4283.04 | $3283.08 |  |  |  |  |  | 21.289% | 21.289% | 21.289% | 12/30/2021 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14353.76 |  | 3.620% | $0.00 | 3.3 |  |  |  | No | No | 4.875% | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $301264.69 | 20.000% |  |  |  |  |  |  |
| 647514423014 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $11848.00 | $14343.50 |  | 4.860% | $2661.44 | $2661.44 | 4.625% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $8361.01 | 1 | $7612.56 | $846.00 |  |  |  |  |  | 30.805% | 30.805% | 30.805% | 11/22/2021 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11848.00 |  | 3.280% | $100.00 |  |  |  |  | No | No | 4.625% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  |  | $185216.53 | 30.000% |  |  |  |  |  |  |
| 106065898028 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $13795.00 | $15734.18 |  | 4.400% | $4230.68 | $4230.68 | 4.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11685.50 | 1 | $13437.48 | $819.00 |  |  |  |  |  | 41.144% | 41.144% | 41.144% | 01/14/2022 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13795.00 |  | 3.510% | $0.00 | 1 |  |  |  | No | No | 4.250% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $298046.16 | 28.000% |  |  |  |  |  |  |
| 124058050675 |  |  |  | Non QM |  | Yes | No | $6161.63 | $7306.47 |  | 4.994% | $867.61 | $867.61 | 4.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $8294.31 | 1 | $4177.92 | $1589.04 |  |  |  |  |  | 14.891% | 14.891% | 14.891% | 02/08/2022 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6161.63 |  | 3.610% | $0.00 | 1 |  |  |  | Yes | No | 4.625% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $47419.21 | 21.000% |  |  |  |  |  |  |
| 610261274676 |  |  |  | Non QM |  | Yes | No | $9145.00 | $10603.71 |  | 5.117% | $2024.22 | $2024.22 | 4.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4067.14 | 1 | $4826.88 | $1807.08 |  |  |  |  |  | 42.676% | 42.676% | 42.676% | 12/02/2021 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9145.00 |  | 3.280% | $0.00 | 2.6 |  |  |  | N/A | No | 4.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 22.97 | No |  |  |  |  |  |  |  |  |  |  | $23446.55 | 5.000% |  |  |  |  |  |  |
| 448198060952 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $2755.00 | $3595.00 |  | 5.270% | $6957.77 | $6957.77 | 5.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $72633.84 | 1 | $5376.36 | $7368.96 |  |  |  |  |  | 23.994% | 23.994% | 23.994% | 01/17/2022 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2755.00 |  | 3.620% | $0.00 | 5 |  |  |  | No | No | 5.250% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $321205.88 | 23.000% |  |  |  |  |  |  |
| 677421197678 |  |  |  | Non QM |  | Yes | No | $5570.00 | $6636.80 |  | 5.424% | $1000.49 | $1000.49 | 5.125% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $2674.90 | 1 | $5150.28 | $1086.96 |  |  |  |  |  | 38.272% | 38.272% | 38.272% | 01/31/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5570.00 |  | 3.510% | $0.00 | 2.3 |  |  |  | No | No | 5.125% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $105820.49 | 43.000% |  |  |  |  |  |  |
| 734832386660 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $2290.00 | $2688.75 |  | 4.301% | $2156.52 | $2156.52 | 4.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25119.23 | 1 | $1320.48 | $3489.96 |  |  |  |  |  | 14.790% | 14.790% | 14.790% | 02/03/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2290.00 |  | 3.510% | $0.00 | 1 |  |  |  | N/A | No | 4.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $29056.30 |  |  |  |  |  |  |  |
| 561435414966 |  |  |  | Non QM |  | Yes | No | $6757.15 | $4972.03 |  | 5.283% | $845.49 | $845.49 | 5.000% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $2002.41 | 1 | $1702.08 | $1076.04 |  |  |  |  |  | 36.577% | 36.577% | 36.577% | 01/13/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6757.15 |  | 3.610% | $0.00 | 1 |  |  |  | Yes | No | 5.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $110960.19 | 51.000% |  |  |  |  |  |  |
| 657915518463 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $15895.00 | $18198.00 |  | 5.962% | $4201.72 | $4201.72 | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17518.13 | 1 | $17510.88 | $10805.04 |  |  |  |  |  | 35.624% | 35.624% | 35.624% | 03/04/2022 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15895.00 |  | 3.760% | $0.00 | 2.6 |  |  |  | No | No | 5.750% | 0 |  | 2 | 0 | 3 | 1 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 550828897282 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $14990.00 | $17478.76 |  | 4.104% | $6442.72 | $6442.72 | 4.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20292.56 | 1 | $18750.00 | $1698.00 |  |  |  |  |  | 44.637% | 44.637% | 44.637% | 01/10/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14990.00 |  | 3.280% | $0.00 | 2.2 |  |  |  | No | No | 4.000% | 2 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $304092.70 | 20.000% |  |  |  |  |  |  |
| 661105138939 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $12900.11 | $13008.97 |  | 4.382% | $4199.20 | $4199.20 | 4.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10655.98 | 1 | $14277.00 | $10186.32 |  |  |  |  |  | 40.511% | 40.511% | 40.511% | 02/24/2022 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12900.11 |  | 3.760% | $0.00 | 3.1 |  |  |  | No | No | 4.250% | 1 | 2 | 2 | 0 | 4 | 2 |  |  | 13.77 | No |  |  |  |  |  | Not Stated |  |  |  |  | $323032.59 | 30.000% |  |  |  |  |  |  |
| 259543106395 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $26623.00 | $8085.50 |  | 4.921% | $6350.50 | $6350.50 | 4.875% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $13768.29 | 1 | $19894.20 | $1948.56 |  |  |  |  |  | 40.138% | 40.138% | 40.138% | 02/10/2022 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26623.00 |  | 3.990% | $0.00 | 1 |  |  |  | Yes | No | 4.875% | 1 | 3 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  |  | $68219.88 |  |  |  |  |  |  |  |
| 828276501738 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $6094.00 | $7079.00 |  | 5.465% | $1612.43 | $1612.43 | 5.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5900.35 | 1 | $7542.96 | $447.00 |  |  |  |  |  | 32.339% | 32.339% | 32.339% | 02/14/2022 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6094.00 |  | 3.760% | $55000.00 | 2.6 |  |  |  | No | No | 5.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $80236.40 | 22.000% |  |  |  |  |  |  |
| 137881445456 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $7759.50 | $10871.83 |  | 4.574% | $5320.20 | $5320.20 | 4.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $39293.92 | 1 | $17499.96 | $2396.04 |  |  |  |  |  | 17.783% | 17.783% | 17.783% | 02/15/2022 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  |  | $7759.50 |  | 3.760% | $0.00 | 1 |  |  |  | No | No | 4.500% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $559165.01 | 40.000% |  |  |  |  |  |  |
| 402366647903 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1500.00 | $1543.13 |  | 4.517% | $4754.23 | $4754.23 | 4.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31993.46 | 1 | $5871.36 | $2232.36 |  |  |  |  |  | 22.424% | 22.424% | 22.424% | 02/28/2022 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1500.00 |  | 3.960% | $0.00 | 3.3 |  |  |  | No | No | 4.500% | 3 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $62546.69 |  |  |  |  |  |  |  |
| 108327973568 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $19956.25 | $24222.25 |  | 4.375% | $6727.28 | $6727.28 | 4.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14871.51 | 1 | $9336.36 | $1959.00 |  |  |  |  |  | 38.386% | 38.386% | 38.386% | 03/09/2022 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19956.25 |  | 3.960% | $0.00 | 2.6 |  |  |  | No | No | 4.250% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $421184.71 |  |  |  |  |  |  |  |
| 102890128230 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $20245.00 | $46464.16 |  | 4.139% | $7053.56 | $7053.56 | 3.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16263.22 | 2 | $3750.60 | $3420.00 |  |  |  |  |  | 48.266% | 48.266% | 48.266% | 01/03/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20245.00 |  | 3.610% | $0.00 |  |  |  |  | N/A | No | 3.875% | 0 | 2 | 2 | 0 | 3 | 3 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $163182.23 |  |  |  |  |  |  |  |
| 885478358379 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $16645.00 | $1773.09 |  | 5.607% | $5814.13 | $5814.13 | 5.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $38422.71 | 1 | $15949.44 | $1178.16 |  |  |  |  |  | 22.741% | 22.741% | 22.741% | 03/01/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16645.00 |  | 4.230% | $9000.00 | 1 |  |  |  | Yes | No | 5.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $43500.00 | 3.000% |  |  |  |  |  |  |
| 537661511571 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $42019.00 | $49423.22 |  | 4.511% | $7249.23 | $7249.23 | 4.250% | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15224.38 | 1 | $23025.00 | $4003.68 |  |  |  |  |  | 39.103% | 39.103% | 39.103% | 02/24/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $42019.00 |  | 3.830% | $0.00 | 1 |  |  |  | No | No | 4.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $847525.88 | 46.000% |  |  |  |  |  |  |
| 131256909923 |  |  |  | N/A |  | Yes | No |  |  |  |  | $1275.00 | $1275.00 | 4.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $5625.00 | $764.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1.9 |  |  |  | No | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 |  | $238248.38 | 53.000% |  |  |  |  |  |  |
| 417294750989 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $15681.26 | $8840.60 |  | 4.815% | $4666.14 | $4666.14 | 4.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15433.56 | 1 | $16464.48 | $774.00 |  |  |  |  |  | 43.233% | 43.233% | 43.233% | 03/07/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15681.26 |  | 3.920% | $5000.00 | 1.7 |  |  |  | No | No | 4.750% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $176820.85 | 18.000% |  |  |  |  |  |  |
| 222220283525 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $3985.00 | $4947.17 |  | 4.368% | $804.52 | $804.52 | 4.125% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2036.26 | 1 | $3514.08 | $306.96 |  |  |  |  |  | 40.964% | 40.964% | 40.964% | 02/01/2022 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3985.00 |  | 3.960% | $0.00 | 1 |  |  |  | No | No | 4.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  |  | $50763.58 |  |  |  |  |  |  |  |
| 996532172257 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $19432.50 | $4291.94 |  | 4.512% | $7270.93 | $7270.93 | 4.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $17901.11 | 1 | $15735.00 | $2961.24 |  |  |  |  |  | 42.679% | 42.679% | 42.679% | 01/20/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19432.50 |  | 3.610% | $0.00 | 1 |  |  |  | Yes | No | 4.500% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $8475.18 |  |  |  |  |  |  |  |
| 992163048812 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $24190.00 | $26704.57 |  | 4.139% | $7161.23 | $7161.23 | 4.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16933.76 | 1 | $20264.16 | $5364.00 |  |  |  |  |  | 41.941% | 41.941% | 41.941% | 01/24/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24190.00 |  | 3.990% | $0.00 | 1 |  |  |  | No | No | 4.000% | 3 | 0 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $1578630.45 |  |  |  |  |  |  |  |
| 607894761806 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $12612.55 | $13663.80 |  | 5.777% | $2555.05 | $2555.05 | 5.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24209.24 | 1 | $11859.96 | $2012.04 |  |  |  |  |  | 14.256% | 14.256% | 14.256% | 03/04/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12612.55 |  | 4.740% | $0.00 | 1.5 |  |  |  | No | No | 5.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $442845.64 | 71.000% |  |  |  |  |  |  |
| 999711265939 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $32495.00 | $34480.94 |  | 5.313% | $8439.55 | $8439.55 | 5.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $152364.59 | 1 | $29776.32 | $3918.00 |  |  |  |  |  | 7.770% | 7.770% | 7.770% | 02/14/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $32495.00 |  | 4.230% | $0.00 | 3.7 |  |  |  | No | No | 5.125% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $140578.29 |  |  |  |  |  |  |  |
| 835558888646 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $15095.00 | $16379.75 |  | 5.353% | $7509.97 | $7509.97 | 5.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19773.34 | 1 | $11427.24 | $1260.96 |  |  |  |  |  | 31.149% | 31.149% | 31.149% | 04/18/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15095.00 |  | 4.490% | $0.00 | 1.9 |  |  |  | Yes | No | 5.250% | 0 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $383320.03 | 24.000% |  |  |  |  |  |  |
| 869289038008 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $14810.16 | $21526.63 |  | 5.441% | $12406.16 | $12406.16 | 5.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $80565.69 | 1 | $46907.40 | $7933.08 |  |  |  |  |  | 30.873% | 30.873% | 30.873% | 03/24/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14810.16 |  | 5.380% | $0.00 | 2.6 |  |  |  | No | No | 5.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $1092721.87 | 35.000% |  |  |  |  |  |  |
| 375002161215 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $20436.40 | $12792.61 |  | 6.002% | $4525.26 | $4525.26 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11290.49 | 1 | $17435.76 | $420.12 |  |  |  |  |  | 49.413% | 49.413% | 49.413% | 03/21/2022 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20436.40 |  | 4.790% | $0.00 | 1.4 | DU |  | ApproveEligible | Yes | No | 5.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $594786.79 | 57.000% |  |  |  |  |  |  |
| 406352004829 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $12366.58 | $27261.93 |  | 4.207% | $3131.78 | $3131.78 | 3.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5012.36 | 1 | $7069.32 | $2733.96 |  |  |  |  |  | 44.816% | 44.816% | 44.816% | 04/18/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12366.58 |  | 3.760% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 3.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $206625.00 | 25.000% |  |  |  |  |  |  |
| 895961066197 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $16620.00 | $21350.19 |  | 5.111% | $7306.14 | $7306.14 | 5.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12731.76 | 1 | $4663.68 | $3585.96 |  |  |  |  |  | 48.259% | 48.259% | 48.259% | 03/10/2022 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16620.00 |  | 4.230% | $0.00 | 1.8 |  |  |  | No | No | 5.000% | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $90281.50 |  |  |  |  |  |  |  |
| 729569031686 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $31495.00 | $45091.18 |  | 5.983% | $17746.13 | $17746.13 | 5.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30925.34 | 1 | $48125.04 | $4832.04 |  |  |  |  |  | 43.691% | 43.691% | 43.691% | 04/12/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 43.750% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 43.75% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 43.75% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 43.75% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 43.75% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 43.75% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $31495.00 |  | 4.790% | $0.00 | 2.1 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $368877.14 | 10.000% |  |  |  |  |  |  |
| 679228238361 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 5.344% | $4619.76 | $4619.76 | 5.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6300.58 | 1 | $9286.68 | $1200.12 |  |  |  |  |  | 44.890% | 44.890% | 44.890% | 03/02/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 4.230% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | 5.375% | 1 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $15963.06 |  |  |  |  |  |  |  |
| 161138793305 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $34055.60 | $36416.57 |  | 6.390% | $7582.98 | $7582.98 | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $104046.28 | 1 | $6309.72 | $2711.16 |  |  |  |  |  | 7.567% | 7.567% | 7.567% | 04/15/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $34055.60 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.125% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $38566.07 |  |  |  |  |  |  |  |
| 272689006175 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $3148.01 | $3749.52 |  | 5.346% | $800.40 | $800.40 | 5.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3171.29 | 1 | $6189.72 | $1052.04 |  |  |  |  |  | 35.440% | 35.440% | 35.440% | 03/22/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2010 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3148.01 |  | 5.070% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 5.125% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 862796843368 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $7255.00 | $8250.00 |  | 5.377% | $1568.12 | $1568.12 | 5.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14729.53 | 1 | $271.68 | $474.96 |  |  |  |  |  | 18.467% | 18.467% | 18.467% | 02/22/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7255.00 |  | 3.170% | $0.00 | 1 |  |  |  | No | No | 5.125% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $36.74 |  |  |  |  |  |  |  |
| 657016544612 |  |  |  | Non QM |  | Yes | No | $9834.75 | $10495.11 |  | 4.832% | $1413.65 | $1413.65 | 4.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5908.41 | 1 | $4271.76 | $457.32 |  |  |  |  |  | 35.830% | 35.830% | 35.830% | 02/02/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9834.75 |  | 3.920% | $0.00 | 2.1 |  |  |  | No | No | 4.500% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $5991.10 |  |  |  |  |  |  |  |
| 837224882121 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $17931.25 | $5787.52 |  | 6.463% | $3864.87 | $3864.87 | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14558.28 | 1 | $11062.56 | $989.16 |  |  |  |  |  | 48.319% | 48.319% | 48.319% | 04/28/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17931.25 |  | 5.180% | $13500.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $539190.95 | 61.000% |  |  |  |  |  |  |
| 968304848284 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $73135.00 | $78196.25 |  | 5.096% | $15876.25 | $15876.25 | 4.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $76089.41 | 1 | $19800.00 | $7638.00 |  |  |  |  |  | 26.282% | 26.282% | 26.282% | 04/29/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $73135.00 |  | 4.740% | $0.00 | 3 |  |  |  | No | No | 4.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $2700200.21 | 50.000% |  |  |  |  |  |  |
| 876812860775 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $15907.00 | $18213.80 |  | 6.052% | $5683.49 | $5683.49 | 5.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34226.96 | 1 | $15012.48 | $2477.04 |  |  |  |  |  | 19.188% | 19.188% | 19.188% | 03/31/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15907.00 |  | 5.180% | $1195.00 | 1 |  |  |  | Yes | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $62252.65 | 5.000% |  |  |  |  |  |  |
| 766671583427 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $10951.98 | $4666.15 |  | 6.217% | $2863.06 | $2863.06 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7000.89 | 1 | $7362.48 | $1809.96 |  |  |  |  |  | 47.543% | 47.543% | 47.543% | 04/18/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10951.98 |  | 5.170% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 6.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $222192.43 | 38.000% |  |  |  |  |  |  |
| 861463326395 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $14543.00 | $15846.13 |  | 5.646% | $5291.79 | $5291.79 | 5.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7298.29 | 1 | $17004.00 | $2249.04 |  |  |  |  |  | 48.928% | 48.928% | 48.928% | 04/13/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14543.00 |  | 4.790% | $0.00 | 1 |  |  |  | N/A | No | 5.500% | 0 |  | 1 | 0 | 3 | 1 |  |  | 15.47 | No |  |  |  |  |  | Not Stated |  |  |  |  | $291017.23 | 23.000% |  |  |  |  |  |  |
| 178773745014 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $61237.37 | $89379.55 |  | 4.773% | $14630.54 | $14630.54 | 4.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $22011.75 | 2 | $8907.96 | $3047.28 |  |  |  |  |  | 43.701% | 43.701% | 43.701% | 03/30/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $61237.37 |  | 3.960% | $0.00 |  |  |  |  | No | No | 4.500% | 0 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 212440933824 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $19695.00 | $23754.30 |  | 5.332% | $5444.87 | $5444.87 | 5.125% | No | No | Self-Employed | Not Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $30964.16 | 1 | $23750.04 | $2099.16 |  |  |  |  |  | 36.218% | 36.218% | 36.218% | 03/28/2022 | 703 | 710 | 690 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19695.00 |  | 5.170% | $0.00 | 2.6 |  |  |  | No | No | 5.125% | 0 | 0 | 2 | 0 | 3 | 3 |  |  | 15.67 | No |  |  |  |  |  | Not Stated |  |  |  |  | $2397309.81 | 100.000% |  |  |  |  |  |  |
| 722842258802 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 5.832% | $1254.06 | $1254.06 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16880.65 | 1 | $2948.52 | $1514.04 |  |  |  |  |  | 17.800% | 17.800% | 17.800% | 05/02/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.170% | $0.00 | 2.7 | DU |  | ApproveEligible | No | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $870605.54 | 100.000% |  |  |  |  |  |  |
| 368462848188 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $20255.82 | $44927.79 |  | 5.779% | $5384.68 | $5384.68 | 5.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11211.54 | 1 | $15024.96 | $947.04 |  |  |  |  |  | 39.062% | 39.062% | 39.062% | 03/25/2022 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Note Receivable]; Deposit Receipt - 2022<br> [Borrower - \| Non-Primary Income - Note Receivable]; Other - 2022<br> [Borrower - \| Non-Primary Income - Note Receivable]; Other - 2022<br> [Borrower - \| Non-Primary Income - Note Receivable]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Note Receivable]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Note Receivable]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Note Receivable]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Note Receivable]; Other - 2021<br> [Borrower - \| Non-Primary Income - Note Receivable]; Account Statements - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20255.82 |  | 5.350% | $100000.00 | 1.2 | DU |  | ApproveEligible | Yes | No | 5.375% | 0 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $292799.61 | 24.000% |  |  |  |  |  |  |
| 605119565540 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $495.00 | $2881.20 |  | 5.895% | $2413.47 | $2413.47 | 5.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7828.73 | 1 | $1510.32 | $2269.92 |  |  |  |  |  | 40.289% | 40.289% | 40.289% | 04/15/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $495.00 |  | 5.170% | $0.00 | 2.4 | DU |  | ApproveEligible | N/A | No | 5.875% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 16.37 | No |  |  |  |  |  | Not Stated |  |  |  |  | $219832.85 | 46.000% |  |  |  |  |  |  |
| 130100323696 |  |  |  | Non QM |  | Yes | No | $5075.00 | $6602.40 |  | 6.091% | $962.90 | $962.90 | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1203.86 | 1 | $2520.00 | $1712.04 |  |  |  |  |  | 49.488% | 49.488% | 49.488% | 04/06/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5075.00 |  | 5.070% | $0.00 | 1.4 | DU |  | ApproveEligible | No | No | 5.750% | 0 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $20723.24 |  |  |  |  |  |  |  |
| 150983391182 |  |  |  | Non QM |  | Yes | No | $15020.00 | $12794.72 |  | 6.313% | $2098.43 | $2098.43 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1936.34 | 2 | $2311.68 | $4020.96 |  |  |  |  |  | 36.720% | 36.720% | 36.720% | 03/24/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15020.00 |  | 5.170% | $0.00 |  | LP / LPA |  | Accept | No | No | 6.000% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 694315312914 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $7700.00 | $10237.33 |  | 5.868% | $3822.40 | $3822.40 | 5.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $25531.09 | 1 | $8791.68 | $14022.48 |  |  |  |  |  | 33.687% | 33.687% | 33.687% | 05/23/2022 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7700.00 |  | 5.330% | $0.00 | 1.9 |  |  |  | N/A | No | 5.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 112056266946 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $15618.42 | $16955.96 |  | 6.353% | $4292.29 | $4292.29 | 6.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13110.04 | 1 | $1929.36 | $1742.64 |  |  |  |  |  | 36.968% | 36.968% | 36.968% | 03/02/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15618.42 |  | 5.070% | $0.00 | 2.6 |  |  |  | No | No | 6.125% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 16.47 | No |  |  |  |  |  | Not Stated |  |  |  |  | $130834.22 | 17.000% |  |  |  |  |  |  |
| 776317655251 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $20200.97 | $23093.87 |  | 5.616% | $4455.47 | $4455.47 | 5.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23619.57 | 1 | $8619.96 | $3578.28 |  |  |  |  |  | 34.731% | 34.731% | 34.731% | 05/04/2022 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20200.97 |  | 4.790% | $0.00 | 2.4 |  |  |  | No | No | 5.375% | 0 |  | 2 | 0 | 3 | 2 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $394623.54 | 44.000% |  |  |  |  |  |  |
| 438382297261 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $3609.38 | $4907.88 |  | 6.202% | $776.39 | $776.39 | 5.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7776.24 | 1 | $2513.04 | $1415.52 |  |  |  |  |  | 22.492% | 22.492% | 22.492% | 04/05/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3609.38 |  | 5.350% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 5.875% | 2 | 0 | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $28554.94 |  |  |  |  |  |  |  |
| 138411752865 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $19456.52 | $10012.56 |  | 5.788% | $7314.62 | $7314.62 | 5.750% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11044.23 | 1 | $21481.20 | $2265.00 |  |  |  |  |  | 48.845% | 48.845% | 48.845% | 03/29/2022 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19456.52 |  | 4.790% | $0.00 | 3.3 |  |  |  | Yes | No | 5.750% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $41051.65 |  |  |  |  |  |  |  |
| 501774516174 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $20635.00 | $19742.97 |  | 5.915% | $5584.79 | $5584.79 | 5.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11520.38 | 1 | $3731.28 | $2039.16 |  |  |  |  |  | 36.073% | 36.073% | 36.073% | 04/25/2022 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20635.00 |  | 5.170% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $91763.20 |  |  |  |  |  |  |  |
| 396272468839 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $7956.73 | $12716.92 |  | 6.219% | $1898.84 | $1898.84 | 5.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31617.33 | 1 | $4829.16 | $1498.20 |  |  |  |  |  | 13.041% | 13.041% | 13.041% | 05/03/2022 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2007<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2003 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7956.73 |  | 5.350% | $0.00 | 2 |  |  |  | Yes | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $11145.43 |  |  |  |  |  |  |  |
| 936595250181 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $23995.00 | $28480.25 |  | 6.025% | $5252.16 | $5252.16 | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $57642.74 | 1 | $22500.00 | $1365.84 |  |  |  |  |  | 21.727% | 21.727% | 21.727% | 05/04/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23995.00 |  | 5.380% | $0.00 | 2.7 |  |  |  | No | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $609400.45 | 34.000% |  |  |  |  |  |  |
| 922482675931 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 6.217% | $1939.51 | $1939.51 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8710.19 | 1 | $5250.00 | $892.20 |  |  |  |  |  | 40.540% | 40.540% | 40.540% | 04/16/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.330% | $0.00 | 1 | LP / LPA |  | Accept | Yes | No | 6.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $141665.55 | 34.000% |  |  |  |  |  |  |
| 759983891133 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $14556.25 | $16456.55 |  | 6.127% | $3433.88 | $3433.88 | 5.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6586.04 | 1 | $11488.68 | $1068.96 |  |  |  |  |  | 47.277% | 47.277% | 47.277% | 04/12/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14556.25 |  | 5.070% | $0.00 | 2.6 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $175732.10 | 23.000% |  |  |  |  |  |  |
| 962025443172 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $10365.00 | $12545.04 |  | 6.289% | $3827.95 | $3827.95 | 6.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $50938.31 | 1 | $2325.36 | $1248.00 |  |  |  |  |  | 19.418% | 19.418% | 19.418% | 04/21/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10365.00 |  | 5.070% | $0.00 | 1.7 |  |  |  | No | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $613055.15 |  |  |  |  |  |  |  |
| 682164036792 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $4775.00 | $6823.23 |  | 5.552% | $1836.71 | $1836.71 | 5.375% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13023.71 | 1 | $5124.96 | $1869.00 |  |  |  |  |  | 24.344% | 24.344% | 24.344% | 04/18/2022 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Primary Income - Pension]; Deposit Receipt - 2022<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2021<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2020<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4775.00 |  | 5.380% | $0.00 | 1 |  |  |  | Yes | No | 5.375% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $212423.27 | 52.000% |  |  |  |  |  |  |
| 933577187491 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $4619.88 | $5208.11 |  | 5.596% | $2452.85 | $2452.85 | 5.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15692.88 | 1 | $6750.00 | $2358.96 |  |  |  |  |  | 34.696% | 34.696% | 34.696% | 05/16/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4619.88 |  | 5.380% | $10000.00 | 2.7 | DU |  | ApproveEligible | Yes | No | 5.500% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $143270.90 | 27.000% |  |  |  |  |  |  |
| 209521974567 |  |  |  | Non QM |  | Yes | No | $24528.48 | $9913.35 |  | 6.501% | $3918.71 | $3918.71 | 6.375% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13163.27 | 1 | $8365.56 | $1557.00 |  |  |  |  |  | 33.525% | 33.525% | 33.525% | 04/14/2022 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24528.48 |  | 5.350% | $3000.00 | 2.9 |  |  |  | N/A | No | 6.375% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $27110.70 | 4.000% |  |  |  |  |  |  |
| 435232313188 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $30163.98 | $42470.06 |  | 6.247% | $6234.81 | $6234.81 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13408.81 | 1 | $13516.80 | $9511.80 |  |  |  |  |  | 38.113% | 38.113% | 38.113% | 05/13/2022 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $30163.98 |  | 5.310% | $0.00 | 2.6 |  |  |  | N/A | No | 5.875% | 3 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $30808.31 |  |  |  |  |  |  |  |
| 684178078948 |  |  |  | N/A |  | Yes | No | $4125.00 |  |  | 6.868% | $859.38 | $859.38 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2449.15 | 1 | $1318.32 | $721.80 |  |  |  |  |  | 47.368% | 47.368% | 53.650% | 04/21/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2016<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4125.00 |  | 5.070% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 5 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $8251.79 |  |  |  |  |  |  |  |
| 516262146228 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $9645.00 | $11160.90 |  | 7.133% | $2512.75 | $2512.75 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4546.67 | 1 | $805.20 | $1689.96 |  |  |  |  |  | 43.666% | 43.666% | 43.666% | 05/08/2022 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9645.00 |  | 5.160% | $0.00 | 1.1 |  |  |  | Yes | No | 6.875% | 1 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $1398.11 | 0.000% |  |  |  |  |  |  |
| 742950338247 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $17283.40 | $18890.60 |  | 5.073% | $4392.43 | $4392.43 | 4.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42654.61 | 1 | $7914.72 | $5483.04 |  |  |  |  |  | 18.364% | 18.364% | 18.364% | 04/21/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17283.40 |  | 3.920% | $0.00 | 2.6 |  |  |  | No | No | 4.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $38000.73 |  |  |  |  |  |  |  |
| 370803000540 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $11058.40 | $1875.89 |  | 6.538% | $2654.69 | $2654.69 | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24945.86 | 1 | $9980.16 | $1306.08 |  |  |  |  |  | 34.536% | 34.536% | 34.536% | 05/09/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11058.40 |  | 5.350% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.500% | 1 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $925481.75 | 100.000% |  |  |  |  |  |  |
| 728218342656 |  |  |  | Non QM |  | Yes | No | $8937.50 | $9450.94 |  | 7.420% | $2189.59 | $2189.59 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4061.96 | 1 | $7508.64 | $3480.00 |  |  |  |  |  | 44.587% | 44.587% | 44.587% | 05/19/2022 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2022<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8937.50 |  | 5.170% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 201928803725 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $5500.00 | $6076.66 |  | 6.206% | $1648.76 | $1648.76 | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5814.45 | 1 | $2987.52 | $1575.96 |  |  |  |  |  | 31.587% | 31.587% | 31.587% | 06/15/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2001 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5500.00 |  | 5.070% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 6.000% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 802962068473 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 6.871% | $2734.47 | $2734.47 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33038.24 | 1 | $3579.60 | $2033.04 |  |  |  |  |  | 30.311% | 30.311% | 30.311% | 05/31/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.380% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 6.875% | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $352347.54 |  |  |  |  |  |  |  |
| 500263848378 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 6.122% | $2673.55 | $2673.55 | 6.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9074.27 | 1 | $7377.24 | $1183.44 |  |  |  |  |  | 47.186% | 47.186% | 47.186% | 04/27/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.350% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.125% | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 16.33 | No |  |  |  |  |  |  |  |  |  |  | $97794.88 | 19.000% |  |  |  |  |  |  |
| 824720589257 |  |  |  | Non QM |  | Yes | No | $7000.00 | $8666.64 |  | 6.129% | $863.48 | $863.48 | 5.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6161.87 | 1 | $4315.44 | $374.04 |  |  |  |  |  | 30.655% | 30.655% | 30.655% | 05/08/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7000.00 |  | 5.350% | $0.00 | 1 |  |  |  | No | No | 5.625% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $73657.81 | 37.000% |  |  |  |  |  |  |
| 168739722005 |  |  |  | Non QM |  | Yes | No | $7207.00 | $7762.49 |  | 7.909% | $2021.46 | $2021.46 | 7.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8908.13 | 1 | $3546.60 | $1730.04 |  |  |  |  |  | 39.734% | 39.734% | 39.734% | 04/04/2022 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7207.00 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $11119.79 |  |  |  |  |  |  |  |
| 837454956108 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $6790.00 | $8965.16 |  | 6.035% | $2508.12 | $2508.12 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16817.26 | 1 | $1155.72 | $492.00 |  |  |  |  |  | 25.257% | 25.257% | 25.257% | 05/03/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6790.00 |  | 5.170% | $1000.00 | 999 | DU |  | ApproveEligible | Yes | No | 5.875% | 0 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $127160.69 | 24.000% |  |  |  |  |  |  |
| 220762360367 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $11495.00 | $13464.50 |  | 6.645% | $11464.77 | $11464.77 | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29521.54 | 1 | $29068.32 | $3309.00 |  |  |  |  |  | 43.779% | 43.779% | 43.779% | 06/06/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11495.00 |  | 5.160% | $0.00 | 1.8 |  |  |  | Yes | No | 6.625% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 17.50 | No |  |  |  |  |  | Not Stated |  |  |  |  | $138806.35 | 7.000% |  |  |  |  |  |  |
| 782636654261 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $9716.54 | $5575.46 |  | 5.019% | $1794.02 | $1794.02 | 4.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7326.30 | 2 | $4357.68 | $1380.00 |  |  |  |  |  | 48.714% | 48.714% | 48.714% | 06/22/2022 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9716.54 |  | 3.960% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 4.875% | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $27321.97 |  |  |  |  |  |  |  |
| 102089297286 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 6.201% | $2479.80 | $2479.80 | 6.250% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8657.39 | 2 | $7614.84 | $930.36 |  |  |  |  |  | 27.716% | 27.716% | 27.716% | 05/26/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Foster Care]; Cancelled Checks - 2022<br> [Borrower - \| Primary Income - Foster Care]; Cancelled Checks - 2022<br> [Borrower - \| Primary Income - Foster Care]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.330% | $0.00 |  | DU |  | ApproveEligible | No | No | 6.250% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $221426.47 | 41.000% |  |  |  |  |  |  |
| 989852185655 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $13005.52 | $13282.66 |  | 6.571% | $4214.24 | $4214.24 | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14622.70 | 2 | $5709.84 | $2364.96 |  |  |  |  |  | 41.430% | 41.430% | 41.430% | 06/21/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13005.52 |  | 5.330% | $0.00 |  |  |  |  | No | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $54238.00 |  |  |  |  |  |  |  |
| 244640633202 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $16153.00 | $34262.33 |  | 5.283% | $3704.46 | $3704.46 | 4.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $174144.09 | 1 | $6170.16 | $1712.04 |  |  |  |  |  | 3.865% | 3.865% | 3.865% | 06/16/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16153.00 |  | 5.330% | $0.00 | 1.4 |  |  |  | Yes | No | 4.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $830299.48 | 69.000% |  |  |  |  |  |  |
| 541433136583 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 5.730% | $2556.05 | $2556.05 | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7339.99 | 1 | $7309.44 | $1222.56 |  |  |  |  |  | 45.434% | 45.434% | 45.434% | 04/08/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 4.740% | $0.00 | 1 | LP / LPA |  | Accept | No | No | 5.750% | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $97520.85 |  |  |  |  |  |  |  |
| 783410129592 |  |  |  | N/A |  | Yes | No | $16772.00 | $8458.44 |  | 5.293% | $3094.22 | $3094.22 | 7.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4487.14 | 3 | $9531.72 | $4941.96 |  |  |  |  |  | 21.278% | 52.865% | 21.278% | 04/28/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16772.00 |  | 4.350% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $236113.32 | 37.000% |  |  |  |  |  |  |
| 487243928720 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $7135.52 | $10045.77 |  | 5.765% | $1756.04 | $1756.04 | 5.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12742.16 | 1 | $4445.76 | $1505.04 |  |  |  |  |  | 21.775% | 21.775% | 21.775% | 05/14/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Wages]; Other - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7135.52 |  | 5.160% | $8000.00 | 2.6 | LP / LPA |  | Accept | No | No | 5.500% | 2 |  | 2 | 0 | 3 | 0 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $603827.19 | 100.000% |  |  |  |  |  |  |
| 350898455341 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 5.963% | $1618.79 | $1618.79 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9539.25 | 1 | $5100.00 | $908.04 |  |  |  |  |  | 32.266% | 32.266% | 32.266% | 04/29/2022 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.180% | $0.00 | 1.4 | LP / LPA |  | Accept | No | No | 6.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $187307.22 | 52.000% |  |  |  |  |  |  |
| 749610910098 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $23595.00 | $29326.40 |  | 7.102% | $7259.06 | $7259.06 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9838.21 | 1 | $15251.28 | $2684.04 |  |  |  |  |  | 48.694% | 48.694% | 48.694% | 06/14/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $23595.00 |  | 5.170% | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 2 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $38883.67 |  |  |  |  |  |  |  |
| 493223319623 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 5.749% | $5567.29 | $5567.29 | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13290.25 | 1 | $6359.28 | $3009.96 |  |  |  |  |  | 41.879% | 41.879% | 41.879% | 05/02/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.170% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | 5.750% | 2 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $216853.49 |  |  |  |  |  |  |  |
| 138574315970 |  |  |  | N/A |  | Yes | Yes | $0.00 | $0.00 |  | 6.964% | $2318.58 | $2318.58 | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8469.22 | 1 | $1397.28 | $591.96 |  |  |  |  |  | 38.778% | 38.778% | 38.778% | 06/24/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.880% | $7300.00 | 1 | DU |  | ApproveEligible | No | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $269446.41 | 66.000% |  |  |  |  |  |  |
| 329633951525 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $29238.38 | $11915.35 |  | 6.449% | $6849.33 | $6849.33 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15781.64 | 1 | $15249.96 | $2472.96 |  |  |  |  |  | 43.576% | 43.576% | 43.576% | 06/22/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $29238.38 |  | 5.860% | $36915.00 | 1 |  |  |  | Yes | No | 6.375% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $155896.15 | 13.000% |  |  |  |  |  |  |
| 530813687838 |  |  |  | Non QM |  | Yes | No | $9011.25 | $9992.57 |  | 6.770% | $3319.68 | $4527.49 | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10243.44 | 1 | $3914.88 | $3548.04 |  |  |  |  |  | 47.784% | 41.628% | 47.784% | 04/29/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9011.25 |  | 5.170% | $50000.00 | 1 |  |  |  | Yes | No | 6.625% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 |  | $419579.60 | 49.000% |  |  |  |  |  |  |
| 485214738154 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $10595.00 | $12219.78 |  | 5.950% | $3034.58 | $3034.58 | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13391.58 | 1 | $8704.32 | $1445.52 |  |  |  |  |  | 27.651% | 27.651% | 27.651% | 05/03/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10595.00 |  | 5.860% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $0.00 |  |  |  |  |  |  |  |
| 849579916022 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $7877.90 | $3752.14 |  | 6.612% | $2017.21 | $2017.21 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21900.94 | 1 | $7228.32 | $947.04 |  |  |  |  |  | 44.116% | 44.116% | 44.116% | 05/12/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7877.90 |  | 5.380% | $15000.00 | 1 |  |  |  | Yes | No | 6.500% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $90235.29 | 25.000% |  |  |  |  |  |  |
| 681311542751 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 6.701% | $4256.43 | $4256.43 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13315.84 | 1 | $10937.52 | $1245.96 |  |  |  |  |  | 39.790% | 39.790% | 39.790% | 06/11/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.860% | $0.00 | 1.7 | DU |  | ApproveEligible | Yes | No | 6.750% | 0 |  | 2 | 0 | 3 | 2 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  |  | $556408.86 | 64.000% |  |  |  |  |  |  |
| 959587485228 |  |  |  | N/A |  | Yes | Yes | $0.00 | $0.00 |  | 6.373% | $1478.57 | $1478.57 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14986.67 | 1 | $6258.24 | $1833.96 |  |  |  |  |  | 27.069% | 27.069% | 27.069% | 06/09/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.160% | $1445.00 | 1.9 | DU |  | ApproveEligible | Yes | No | 6.375% | 1 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $196893.83 | 62.000% |  |  |  |  |  |  |
| 269652525044 |  |  |  | N/A |  | Yes | No | $0.00 | $0.00 |  | 6.869% | $2924.38 | $2924.38 | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14714.94 | 1 | $3172.32 | $531.96 |  |  |  |  |  | 34.329% | 34.329% | 34.329% | 06/02/2022 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.180% | $4300.00 | 1 | DU |  | ApproveEligible | No | No | 6.875% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $180631.88 | 32.000% |  |  |  |  |  |  |
| 853455461955 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 6.222% | $2407.45 | $2407.45 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6900.44 | 1 | $2441.04 | $1286.16 |  |  |  |  |  | 38.754% | 38.754% | 38.754% | 05/24/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.330% | $0.00 | 3.1 | DU |  | ApproveEligible | Yes | No | 6.250% | 1 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $101487.36 | 22.000% |  |  |  |  |  |  |
| 751441053442 |  |  |  | Non QM |  | Yes | No | $3815.63 | $5073.90 |  | 8.203% | $1006.03 | $1006.03 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3868.58 | 1 | $2465.52 | $1518.96 |  |  |  |  |  | 25.699% | 25.699% | 25.699% | 05/12/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3815.63 |  | 5.160% | $0.00 | 2.5 |  |  |  | No | No | 7.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $6237.87 |  |  |  |  |  |  |  |
| 239322039782 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $13495.00 | $16257.96 |  | 5.983% | $7098.45 | $7098.45 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20514.10 | 1 | $10347.00 | $7449.00 |  |  |  |  |  | 41.389% | 41.389% | 41.389% | 05/04/2022 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13495.00 |  | 5.330% | $0.00 | 3.3 |  |  |  | No | No | 5.875% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $28843.89 |  |  |  |  |  |  |  |
| 479362733862 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $26667.54 | $30341.48 |  | 6.846% | $7951.78 | $7951.78 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26832.83 | 1 | $15151.68 | $12347.04 |  |  |  |  |  | 39.180% | 39.180% | 39.180% | 06/08/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26667.54 |  | 5.860% | $0.00 | 1.7 |  |  |  | Yes | No | 6.625% | 2 |  | 2 | 0 | 3 | 1 |  |  | 17.97 | No |  |  |  |  |  | Not Stated |  |  |  |  | $41915.79 | 3.000% |  |  |  |  |  |  |
| 442524977044 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $17800.30 | $19684.80 |  | 7.375% | $5002.36 | $5002.36 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11452.08 | 1 | $14594.28 | $2551.92 |  |  |  |  |  | 48.791% | 48.791% | 48.791% | 04/21/2022 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17800.30 |  | 5.880% | $0.00 | 1.6 |  |  |  | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $41325.76 |  |  |  |  |  |  |  |
| 108682444149 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $7185.00 | $8494.50 |  | 6.183% | $1471.75 | $1471.75 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12342.33 | 1 | $1295.04 | $1212.60 |  |  |  |  |  | 31.733% | 31.733% | 31.733% | 05/10/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7185.00 |  | 5.380% | $0.00 | 1 |  |  |  | Yes | No | 5.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $85197.77 | 27.000% |  |  |  |  |  |  |
| 441630088115 |  |  |  | Non QM |  | Yes | No | $995.00 | $3056.47 |  | 7.774% | $5702.64 | $5702.64 | 7.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14361.31 | 1 | $6471.36 | $4113.36 |  |  |  |  |  | 43.956% | 43.956% | 43.956% | 05/21/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $995.00 |  | 5.180% | $0.00 | 1.5 |  |  |  | Yes | No | 7.750% | 1 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $300647.40 | 29.000% |  |  |  |  |  |  |
| 633123754731 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $14134.91 | $16380.40 |  | 6.518% | $6344.05 | $6344.05 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23610.94 | 1 | $15030.12 | $1797.96 |  |  |  |  |  | 26.408% | 26.408% | 26.408% | 05/24/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14134.91 |  | 5.880% | $3000.00 | 2.5 |  |  |  | Yes | No | 6.375% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $165940.44 | 15.000% |  |  |  |  |  |  |
| 670027038621 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 7.369% | $1379.62 | $1379.62 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11341.42 | 1 | $5651.28 | $2009.64 |  |  |  |  |  | 29.018% | 29.018% | 29.018% | 04/01/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.580% | $0.00 | 1.4 | DU |  | ApproveEligible | No | No | 7.375% | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $605398.42 | 100.000% |  |  |  |  |  |  |
| 829753776774 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $9995.00 | $10934.00 |  | 6.625% | $5372.58 | $5372.58 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6896.24 | 1 | $6930.12 | $3260.04 |  |  |  |  |  | 48.412% | 48.412% | 48.412% | 06/14/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9995.00 |  | 5.370% | $0.00 | 2.7 | DU |  | ApproveEligible | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $80686.44 |  |  |  |  |  |  |  |
| 401181020362 |  |  |  | Safe Harbor QM |  | Yes | Yes | $1595.00 | $0.00 |  | 2.497% | $2467.69 | $2467.69 | 2.500% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $9444.95 | 1 | $11436.36 | $891.96 |  |  |  |  |  | 27.347% | 27.347% | 27.347% | 12/28/2020 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-T - 2017<br> [Borrower]; 4506-T - 2016 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | 2.710% | $0.00 |  | LP / LPA | Yes | Accept | N/A | No | 2.500% | 2 |  | 0 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $486504.54 |  |  |  |  |  |  |  |
| 210093415289 |  |  |  | Non QM |  | Yes | No | $10499.16 | $10842.98 |  | 3.099% | $2913.77 | $2913.77 | 2.990% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8879.08 | 1 | $2796.96 | $1437.96 |  |  |  |  |  | 35.283% | 35.283% | 35.283% | 01/27/2021 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2020<br> [Borrower - \| Primary Income - Disability]; Account Statements - 2021<br> [Borrower - \| Primary Income - Disability]; Award Letter / Continuance Letter - 2020<br> [Borrower - \| Primary Income - Disability]; Award Letter / Continuance Letter - 2017<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2020<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10499.16 |  | 2.820% | $0.00 | 3.6 |  |  |  | Yes | No | 2.990% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $135456.90 |  |  |  |  |  |  |  |
| 322628533534 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $16560.73 | $16542.76 |  | 2.940% | $2723.38 | $2723.38 | 2.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14518.59 | 1 | $13082.88 | $2778.12 |  |  |  |  |  | 44.602% | 44.602% | 44.602% | 04/06/2021 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16560.73 |  | 3.140% | $0.00 | 2 | LP / LPA |  | Accept | Yes | No | 2.750% | 0 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 256998328102 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1595.00 | $3389.71 |  | 2.783% | $6786.22 | $6786.22 | 2.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35636.14 | 1 | $5030.40 | $8151.96 |  |  |  |  |  | 20.971% | 20.971% | 20.971% | 06/24/2021 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2021<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2017 | [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | 2.320% | $0.00 | 3.3 |  |  |  | No | No | 2.750% | 2 | 0 | 1 | 0 | 4 | 0 |  |  | 17.97 | No |  |  |  |  |  | Not Stated |  |  |  |  | $0.00 |  |  |  |  |  |  |  |
| 442314838309 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $2595.00 | $3489.89 |  | 2.794% | $5327.18 | $5327.18 | 2.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11631.41 | 1 | $7753.44 | $6806.04 |  |  |  |  |  | 38.415% | 38.415% | 38.415% | 06/26/2021 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2595.00 |  | 2.440% | $0.00 | 2.9 |  |  |  | Yes | No | 2.750% | 2 |  | 2 | 0 | 4 | 2 |  |  | 17.97 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 127434281143 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1595.00 | $3523.55 |  | 2.789% | $5735.71 | $5735.71 | 2.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9514.28 | 1 | $9551.16 | $4143.96 |  |  |  |  |  | 44.771% | 44.771% | 44.771% | 08/31/2021 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | 2.250% | $0.00 | 3 |  |  |  | No | No | 2.750% | 0 | 0 | 2 | 0 | 4 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $62343.53 |  |  |  |  |  |  |  |
| 433794027057 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $3260.79 | $6245.84 |  | 2.897% | $5664.94 | $5664.94 | 2.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22701.16 | 1 | $23661.48 | $4026.00 |  |  |  |  |  | 36.978% | 36.978% | 36.978% | 10/13/2021 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3260.79 |  | 3.040% | $0.00 | 2.8 |  |  |  | No | No | 2.875% | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $887230.99 |  |  |  |  |  |  |  |
| 835518393013 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1595.00 | $4016.68 |  | 3.895% | $4608.32 | $4608.32 | 3.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11474.41 | 1 | $24669.24 | $2048.04 |  |  |  |  |  | 49.151% | 49.151% | 49.151% | 10/22/2021 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | 3.100% | $0.00 | 3.4 |  |  |  | No | No | 3.875% | 1 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $0.00 |  |  |  |  |  |  |  |
| 171711630480 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1595.00 | $2067.21 |  | 3.141% | $4682.14 | $4682.14 | 3.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12132.17 | 1 | $10975.80 | $8142.00 |  |  |  |  |  | 54.428% | 54.428% | 54.428% | 11/11/2021 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | 3.140% | $0.00 | 1.1 |  |  |  | No | No | 3.125% | 2 |  | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $48985.99 |  |  |  |  |  |  |  |
| 643926988835 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $7081.40 | $7457.51 |  | 2.958% | $2987.23 | $2987.23 | 2.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12541.82 | 1 | $11107.32 | $6429.96 |  |  |  |  |  | 33.501% | 33.501% | 33.501% | 11/17/2021 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7081.40 |  | 3.160% | $0.00 | 2.2 |  |  |  | Yes | No | 2.875% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $487785.01 |  |  |  |  |  |  |  |
| 125747346933 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $10016.33 | $10832.72 |  | 2.948% | $2810.90 | $2810.90 | 2.875% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32092.01 | 1 | $4166.16 | $1767.00 |  |  |  |  |  | 16.436% | 16.436% | 16.436% | 02/05/2022 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Note Receivable]; Account Statements - 2022<br> [Borrower - \| Primary Income - Note Receivable]; Other - 2022<br> [Borrower - \| Primary Income - Note Receivable]; Other - 2022<br> [Borrower - \| Primary Income - Note Receivable]; Note - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  | $10016.33 |  | 3.120% | $0.00 | 1.7 |  |  |  | No | No | 2.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $51356.33 |  |  |  |  |  |  |  |
| 604314163693 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $2542.52 | $4917.27 |  | 2.849% | $4182.12 | $4182.12 | 2.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21291.42 | 1 | $7622.28 | $1037.04 |  |  |  |  |  | 31.868% | 31.868% | 31.868% | 02/07/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2542.52 |  | 3.160% | $0.00 | 2.6 |  |  |  | No | No | 2.875% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $53796.12 |  |  |  |  |  |  |  |
| 968714166542 |  |  |  | Safe Harbor QM |  | Yes | No | $1100.00 | $5209.79 |  | 3.009% | $8337.22 | $8337.22 | 3.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49596.18 | 1 | $42501.00 | $15109.44 |  |  |  |  |  | 24.392% | 24.392% | 24.392% | 09/20/2021 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017 | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1100.00 |  | 3.140% | $0.00 | 2.6 |  |  |  | No | No | 3.000% | 0 |  | 3 | 0 | 4 | 3 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  |  | $1276365.93 | 45.000% |  |  |  |  |  |  |
| 184129565729 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $3415.00 | $4447.23 |  | 3.552% | $3031.05 | $3031.05 | 3.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11481.71 | 1 | $9859.92 | $1266.00 |  |  |  |  |  | 30.720% | 30.720% | 30.720% | 03/19/2021 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2012 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3415.00 |  | 3.100% | $0.00 | 2.1 |  |  |  | Yes | No | 3.500% | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $66403.42 |  |  |  |  |  |  |  |
| 804065070708 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1100.00 | $5431.72 |  | 3.510% | $5859.38 | $5859.38 | 3.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12850.82 | 1 | $4672.92 | $6364.68 |  |  |  |  |  | 35.746% | 35.746% | 35.746% | 06/10/2021 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1100.00 |  | 3.010% | $0.00 | 5 |  |  |  | No | No | 3.500% | 0 |  | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $159101.49 | 11.000% |  |  |  |  |  |  |
| 987253531623 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1565.00 | $6393.46 |  | 3.030% | $6509.57 | $6509.57 | 3.000% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12979.67 | 1 | $24125.04 | $3215.04 |  |  |  |  |  | 45.154% | 45.154% | 45.154% | 04/20/2021 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1565.00 |  | 3.020% | $0.00 | 1.4 |  |  |  | Yes | No | 3.000% | 2 | 1 | 2 | 0 | 4 | 0 |  |  | 15.10 | No |  |  |  |  |  | Not Stated |  |  |  |  | $655410.01 | 34.000% |  |  |  |  |  |  |
| 492494747914 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1540.00 | $3568.64 |  | 3.141% | $4455.10 | $4455.10 | 3.125% | Yes | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32696.15 | 1 | $21061.92 | $7246.20 |  |  |  |  |  | 42.619% | 42.619% | 42.619% | 05/19/2021 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1540.00 |  | 3.030% | $13125.00 | 1 |  |  |  | Yes | No | 3.125% | 2 |  | 1 | 0 | 4 | 1 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $756442.30 | 58.000% |  |  |  |  |  |  |
| 927942501608 |  |  |  | Non QM |  | Yes | No | $1465.00 | $3404.88 |  | 4.914% | $3312.75 | $3312.75 | 4.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $7929.86 | 1 | $8236.68 | $792.00 |  |  |  |  |  | 42.756% | 42.756% | 42.756% | 05/13/2021 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1465.00 |  | 2.990% | $0.00 | 2 | LP / LPA |  | Accept | No | No | 4.875% | 2 | 0 | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $43865.34 | 7.000% |  |  |  |  |  |  |
| 966791415148 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $997.99 | $1394.72 |  | 3.395% | $2657.88 | $2657.88 | 3.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11635.82 | 1 | $5099.52 | $1953.96 |  |  |  |  |  | 29.636% | 29.636% | 29.636% | 06/14/2021 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 - 2020<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $997.99 |  | 3.010% | $0.00 | 2.6 |  |  |  | Yes | No | 3.375% | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $116802.64 |  |  |  |  |  |  |  |
| 627820488124 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $4086.76 | $5913.44 |  | 4.221% | $3179.30 | $3179.30 | 4.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10816.86 | 1 | $8499.96 | $588.00 |  |  |  |  |  | 41.298% | 41.298% | 41.298% | 06/23/2021 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4086.76 |  | 3.060% | $0.00 | 1 |  |  |  | No | No | 4.125% | 0 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $9189.65 |  |  |  |  |  |  |  |
| 914144680055 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $2436.04 | $4067.64 |  | 3.153% | $4333.02 | $4333.02 | 3.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13436.21 | 1 | $18383.64 | $2292.12 |  |  |  |  |  | 43.951% | 43.951% | 43.951% | 05/12/2021 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Tax Return Extension - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Tax Return Extension - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2436.04 |  | 3.070% | $0.00 | 2.6 |  |  |  | Yes | No | 3.125% | 2 | 1 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  | HELOC | No |  | Not Stated |  |  |  |  | $77175.51 |  |  |  |  |  |  |  |
| 424560120365 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1395.00 | $2673.99 |  | 3.143% | $3423.58 | $3423.58 | 3.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6642.34 | 1 | $4962.12 | $2850.00 |  |  |  |  |  | 40.728% | 40.728% | 40.728% | 09/03/2021 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1395.00 |  | 2.920% | $0.00 | 1 |  |  |  | Yes | No | 3.125% | 1 | 0 | 2 | 0 | 4 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $264058.85 | 26.000% |  |  |  |  |  |  |
| 187841532975 |  |  |  | Non QM |  | Yes | No | $3675.96 | $5130.11 |  | 3.051% | $2774.15 | $2774.15 | 3.000% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3859.35 | 1 | $4092.96 | $2418.96 |  |  |  |  |  | 53.698% | 53.698% | 53.698% | 09/08/2021 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3675.96 |  | 2.920% | $0.00 | 3.9 |  |  |  | No | No | 3.000% | 0 | 0 | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $228868.53 |  |  |  |  |  |  |  |
| 814248348386 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $1190.00 | $3464.75 |  | 3.893% | $3127.08 | $3127.08 | 3.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8524.41 | 1 | $1769.16 | $1958.64 |  |  |  |  |  | 37.636% | 37.636% | 37.636% | 08/25/2021 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1190.00 |  | 2.910% | $0.00 | 1 | LP / LPA |  | Accept | Yes | No | 3.875% | 2 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $89041.11 | 13.000% |  |  |  |  |  |  |
| 313634837055 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $15230.16 | $16855.52 |  | 3.734% | $5417.89 | $5417.89 | 3.625% | Yes | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8383.02 | 1 | $14762.40 | $2347.92 |  |  |  |  |  | 49.395% | 49.395% | 49.395% | 10/07/2021 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15230.16 |  | 3.060% | $0.00 | 2.6 |  |  |  | No | No | 3.625% | 0 | 0 | 2 | 0 | 4 | 2 |  |  | 21.63 | No |  |  |  |  |  | Not Stated |  |  |  |  | $22357.12 |  |  |  |  |  |  |  |
| 228803044622 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $9876.24 | $13485.55 |  | 3.047% | $8077.93 | $8077.93 | 3.000% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18280.83 | 1 | $29937.48 | $2321.88 |  |  |  |  |  | 50.726% | 50.726% | 50.726% | 09/09/2021 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; FNMA 1088 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9876.24 |  | 3.060% | $0.00 | 2.9 |  |  |  | No | No | 3.000% | 1 | 1 | 2 | 0 | 4 | 3 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $612306.22 | 26.000% |  |  |  |  |  |  |
| 254229153458 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1465.00 | $4430.68 |  | 2.897% | $3775.52 | $3775.52 | 2.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14791.63 | 1 | $9239.04 | $1730.04 |  |  |  |  |  | 36.480% | 36.480% | 36.480% | 11/17/2021 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1465.00 |  | 3.100% | $0.00 | 1 |  |  |  | No | No | 2.875% | 0 |  | 3 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $94424.87 |  |  |  |  |  |  |  |
| 875605385960 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $24290.00 | $27308.75 |  | 2.784% | $7390.37 | $7560.46 | 2.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13805.55 | 1 | $6904.92 | $2087.04 |  |  |  |  |  | 41.823% | 41.107% | 41.823% | 09/28/2021 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24290.00 |  | 2.900% | $0.00 | 4.6 | DU |  | ApproveIneligible | N/A | No | 2.800% | 2 |  | 2 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  |  | $730206.53 | 32.000% |  |  |  |  |  |  |
| 849950969581 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1565.00 | $1695.70 |  | 2.890% | $4296.21 | $4296.21 | 2.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14798.23 | 1 | $17166.48 | $2471.04 |  |  |  |  |  | 34.911% | 34.911% | 34.911% | 10/18/2021 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1565.00 |  | 3.100% | $0.00 | 1.2 |  |  |  | No | No | 2.875% | 1 | 0 | 2 | 0 | 4 | 2 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $187133.65 |  |  |  |  |  |  |  |
| 832889318959 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1465.00 | $3616.76 |  | 2.615% | $2448.51 | $2588.63 | 2.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17812.56 | 1 | $9999.96 | $711.00 |  |  |  |  |  | 42.592% | 42.141% | 42.592% | 10/29/2021 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1465.00 |  | 2.880% | $1800.00 | 4.3 |  |  |  | No | No | 2.800% | 0 | 2 | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $409938.56 | 51.000% |  |  |  |  |  |  |
| 539076734048 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1150.00 | $4250.47 |  | 3.273% | $4456.51 | $4456.51 | 3.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21061.97 | 1 | $23937.48 | $3638.04 |  |  |  |  |  | 41.151% | 41.151% | 41.151% | 01/07/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1150.00 |  | 3.140% | $0.00 | 1 |  |  |  | No | No | 3.250% | 2 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $604249.05 |  |  |  |  |  |  |  |
| 384030243368 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1150.00 | $4035.17 |  | 3.028% | $4654.51 | $4654.51 | 3.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16259.17 | 1 | $20198.52 | $1359.96 |  |  |  |  |  | 32.511% | 32.511% | 32.511% | 10/28/2021 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2020<br> [Borrower - \| Non-Primary Income - Pension]; VA Verification of Benefits - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1150.00 |  | 3.160% | $0.00 | 3 |  |  |  | No | No | 3.000% | 0 |  | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $457214.60 | 32.000% |  |  |  |  |  |  |
| 729519308695 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1465.00 | $3556.42 |  | 3.019% | $4216.04 | $4216.04 | 3.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15283.10 | 1 | $15822.24 | $1748.04 |  |  |  |  |  | 34.372% | 34.372% | 34.372% | 12/06/2021 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1465.00 |  | 3.160% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | 3.000% | 1 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  | HELOC | No |  | Not Stated |  |  |  |  | $178878.36 |  |  |  |  |  |  |  |
| 886945312733 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1565.00 | $1144.35 |  | 2.869% | $5538.81 | $5538.81 | 2.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7549.11 | 1 | $15486.12 | $978.96 |  |  |  |  |  | 47.937% | 47.937% | 47.937% | 12/17/2021 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2021<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2021<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2020<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2019<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1565.00 |  | 3.160% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | 2.875% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $125153.12 |  |  |  |  |  |  |  |
| 800925318356 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $3269.05 | $6821.32 |  | 3.151% | $5100.30 | $5100.30 | 3.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13138.56 | 1 | $10320.12 | $3689.04 |  |  |  |  |  | 36.038% | 36.038% | 36.038% | 12/22/2021 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3269.05 |  | 3.100% | $0.00 | 1 |  |  |  | No | No | 3.125% | 2 | 3 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $395798.25 | 27.000% |  |  |  |  |  |  |
| 748169041167 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1776.40 | $2851.87 |  | 2.911% | $2738.29 | $2738.29 | 2.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7435.42 | 1 | $10312.56 | $1149.12 |  |  |  |  |  | 42.592% | 42.592% | 42.592% | 12/15/2021 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1776.40 |  | 3.170% | $0.00 | 1 |  |  |  | No | No | 2.875% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $248046.22 | 30.000% |  |  |  |  |  |  |
| 685567693717 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $14395.00 | $15715.88 |  | 2.762% | $3462.23 | $3462.23 | 2.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12531.44 | 1 | $16843.08 | $2324.04 |  |  |  |  |  | 37.121% | 37.121% | 37.121% | 01/24/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14395.00 |  | 3.280% | $0.00 | 1 |  |  |  | Yes | No | 2.625% | 3 | 3 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $92254.10 |  |  |  |  |  |  |  |
| 923185287431 |  |  |  | Safe Harbor QM (APOR) |  | Yes | Yes | $1325.00 | $3610.69 |  | 2.933% | $3655.31 | $3655.31 | 3.000% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $16583.04 | 1 | $14450.04 | $726.00 |  |  |  |  |  | 28.352% | 28.352% | 28.352% | 01/17/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1325.00 |  | 3.120% | $0.00 | 3.3 | DU |  | ApproveEligible | N/A | No | 3.000% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $1348410.92 | 100.000% |  |  |  |  |  |  |
| 497286606299 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $12852.50 | $14048.85 |  | 3.068% | $6640.26 | $6640.26 | 3.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27641.40 | 1 | $17505.60 | $5741.16 |  |  |  |  |  | 30.169% | 30.169% | 30.169% | 01/26/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12852.50 |  | 3.610% | $0.00 | 2.6 |  |  |  | No | No | 3.000% | 2 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $1086159.97 | 52.000% |  |  |  |  |  |  |
| 526503225268 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $4969.00 | $1023.47 |  | 3.746% | $4056.89 | $4056.89 | 3.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7485.89 | 1 | $13687.56 | $1487.04 |  |  |  |  |  | 42.396% | 42.396% | 42.396% | 11/29/2021 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4969.00 |  | 3.990% | $15000.00 | 2.6 |  |  |  | Yes | No | 3.750% | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $413155.34 | 38.000% |  |  |  |  |  |  |
| 984111121449 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1325.00 | $4481.65 |  | 3.314% | $9796.85 | $9796.85 | 3.375% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $15801.06 | 1 | $35467.20 | $1103.04 |  |  |  |  |  | 44.839% | 44.839% | 44.839% | 04/15/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1325.00 |  | 3.500% | $0.00 | 1.6 |  |  |  | Yes | No | 3.375% | 2 | 2 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $314874.91 | 11.000% |  |  |  |  |  |  |
| 814511952484 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $3901.36 | $7294.71 |  | 4.180% | $4594.48 | $4594.48 | 4.125% | No | No | Employed | Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $29823.88 | 1 | $14535.36 | $2244.00 |  |  |  |  |  | 35.733% | 35.733% | 35.733% | 03/14/2022 | 748 | 799 | 818 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3901.36 |  | 4.230% | $0.00 | 2.4 |  |  |  | Yes | No | 4.125% | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $986844.09 | 83.000% |  |  |  |  |  |  |
| 619905439127 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1465.00 | $5798.35 |  | 3.516% | $8829.21 | $8829.21 | 3.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18450.27 | 1 | $33928.44 | $1569.96 |  |  |  |  |  | 39.423% | 39.423% | 39.423% | 04/13/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Documented access to income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2021<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1465.00 |  | 4.790% | $0.00 | 4.7 |  |  |  | No | No | 3.500% | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $2047038.80 | 73.000% |  |  |  |  |  |  |
| 858133368312 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $20920.28 | $14661.88 |  | 2.746% | $3301.57 | $3301.57 | 2.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18775.34 | 1 | $15062.52 | $2554.20 |  |  |  |  |  | 35.927% | 35.927% | 35.927% | 06/07/2021 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20920.28 |  | 3.070% | $0.00 | 4.3 |  |  |  | No | No | 2.625% | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $82093.96 | 7.000% |  |  |  |  |  |  |
| 849992599610 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $10140.00 | $11595.40 |  | 3.312% | $6162.20 | $6162.20 | 3.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13980.66 | 1 | $11899.68 | $4625.04 |  |  |  |  |  | 40.083% | 40.083% | 40.083% | 06/24/2021 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10140.00 |  | 2.850% | $0.00 | 2 |  |  |  | Yes | No | 3.250% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $245741.83 | 16.000% |  |  |  |  |  |  |
| 878087575516 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $5457.10 | $6094.45 |  | 3.817% | $3396.58 | $3396.58 | 3.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22670.70 | 1 | $19487.04 | $1797.00 |  |  |  |  |  | 37.521% | 37.521% | 37.521% | 08/01/2021 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5457.10 |  | 2.920% | $0.00 | 1.7 |  |  |  | Yes | No | 3.750% | 1 |  | 2 | 0 | 3 | 2 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $93045.49 | 11.000% |  |  |  |  |  |  |
| 723903351362 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $1921.50 | $6945.20 |  | 3.047% | $3575.20 | $3575.20 | 3.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17871.90 | 1 | $13250.04 | $831.12 |  |  |  |  |  | 28.442% | 28.442% | 28.442% | 08/06/2021 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1921.50 |  | 2.930% | $2050.00 | 1 |  |  |  | Yes | No | 3.000% | 1 | 1 | 0 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $440032.15 | 42.000% |  |  |  |  |  |  |
| 522348777658 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $30815.00 | $16158.78 |  | 2.979% | $4978.71 | $4978.71 | 2.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10952.54 | 1 | $25262.52 | $4489.20 |  |  |  |  |  | 53.017% | 53.017% | 53.017% | 09/08/2021 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2017<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $30815.00 |  | 2.910% | $52000.00 | 3.5 |  |  |  | No | No | 2.875% | 0 | 1 | 1 | 0 | 4 | 1 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $871222.48 | 43.000% |  |  |  |  |  |  |
| 958550340216 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $9920.00 | $12443.12 |  | 3.336% | $4439.10 | $4439.10 | 3.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8820.69 | 1 | $8220.60 | $3615.96 |  |  |  |  |  | 43.323% | 43.323% | 43.323% | 09/08/2021 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9920.00 |  | 3.040% | $0.00 | 3.4 |  |  |  | Yes | No | 3.250% | 2 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $292165.79 | 23.000% |  |  |  |  |  |  |
| 539090386399 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $29454.18 | $30177.42 |  | 5.510% | $5864.40 | $5864.40 | 5.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12344.28 | 1 | $20018.88 | $3012.96 |  |  |  |  |  | 39.613% | 39.613% | 39.613% | 07/26/2022 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $29454.18 |  | 5.170% | $0.00 | 1 |  |  |  | No | No | 5.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $366891.06 |  |  |  |  |  |  |  |
| 493958372286 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $2584.25 | $9168.79 |  | 5.995% | $3105.57 | $3105.57 | 5.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12485.39 | 1 | $16562.52 | $1092.36 |  |  |  |  |  | 36.169% | 36.169% | 36.169% | 06/21/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2584.25 |  | 5.880% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $958511.51 | 72.000% |  |  |  |  |  |  |
| 953378645243 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 6.459% | $7964.06 | $7964.06 | 6.500% | No | No | Employed | Employed | Employed | Employed | 9.78 | 9.86 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $17042.66 | 1 | $9514.92 | $2640.00 |  |  |  |  |  | 47.459% | 47.459% | 47.459% | 05/31/2022 | 784 | 796 | 806 | 804 | 810 | 813 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Rations]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Housing Allowance]; Paystubs - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.780% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $438469.28 | 28.000% |  |  |  |  |  |  |
| 117985217468 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 6.843% | $7488.99 | $7488.99 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15745.89 | 1 | $22397.28 | $3507.72 |  |  |  |  |  | 49.872% | 49.872% | 49.872% | 06/23/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.580% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | 6.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1290550.00 | 85.000% |  |  |  |  |  |  |
| 187087583386 |  |  |  | N/A |  | Yes | Yes | $0.00 |  |  | 7.105% | $2634.24 | $2634.24 | 7.125% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5139.82 | 1 | $4621.92 | $3607.08 |  |  |  |  |  | 49.296% | 49.296% | 49.296% | 07/15/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Capital Gains]; K-1 - 2020<br> [Borrower - \| Primary Income - Capital Gains]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.610% | $0.00 | 2.3 | DU |  | ApproveEligible | Yes | No | 7.125% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $288184.38 | 63.000% |  |  |  |  |  |  |
| 491478264717 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $9497.60 | $11756.12 |  | 6.939% | $3632.15 | $3632.15 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26180.40 | 1 | $13728.00 | $5006.04 |  |  |  |  |  | 21.549% | 21.549% | 21.549% | 06/28/2022 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9497.60 |  | 5.780% | $0.00 | 2.3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 597179123108 |  |  |  | Non QM |  | Yes | No | $2904.95 | $3860.93 |  | 7.078% | $703.73 | $703.73 | 6.750% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3677.67 | 1 | $522.36 | $756.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/28/2022 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2904.95 |  | 5.880% | $0.00 | 3.1 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $311165.11 | 100.000% |  |  |  |  |  |  |
| 194956207629 |  |  |  | Non QM |  | Yes | No | $19084.11 | $23243.51 |  | 6.651% | $4655.63 | $4655.63 | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $94737.13 | 1 | $8819.88 | $1743.00 |  |  |  |  |  | 5.552% | 5.552% | 5.552% | 06/10/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19084.11 |  | 5.310% | $10000.00 | 1.4 | DU |  | ApproveEligible | No | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $287164.59 | 29.000% |  |  |  |  |  |  |

---

## Exhibit 99.12

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.12**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** |
| 843145560429 |  |  |  |  | Borrower First Name |  |  |
| 843145560429 |  |  |  |  | Borrower Last Name |  |  |
| 843145560429 |  |  |  |  | Margin | 0 |  |
| 843145560429 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 843145560429 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 843145560429 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 843145560429 |  |  |  |  | Rounding Factor | 0.000 |  |
| 843145560429 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 843145560429 |  |  |  |  | Rounding Method | Up |  |
| 843145560429 |  |  |  |  | Index Value | 0 |  |
| 843145560429 |  |  |  |  | MERS Min Number |  |  |
| 277874761383 |  |  |  |  | Interest Rate Change Frequency | 60 | 6 |
| 277874761383 |  |  |  |  | Interest Rate Periodic Cap | 6 | 2 |
| 277874761383 |  |  |  |  | Interest Rate Initial Floor | 3.5 | 2.125 |
| 277874761383 |  |  |  |  | Original Interest Rate Period | 6 | 60 |
| 277874761383 |  |  |  |  | Rounding Method | Up | Nearest |
| 277874761383 |  |  |  |  | Index Value | 0.043 | 0.01 |
| 849758994202 |  |  |  |  | Margin | 0 |  |
| 849758994202 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 849758994202 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 849758994202 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 849758994202 |  |  |  |  | Rounding Factor | 0.125 |  |
| 849758994202 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 849758994202 |  |  |  |  | Rounding Method | Up |  |
| 849758994202 |  |  |  |  | Index Value | 0 |  |
| 849758994202 |  |  |  |  | MERS Min Number |  |  |
| 476317880709 |  |  |  |  | Contract Sales Price |  |  |
| 476317880709 |  |  |  |  | Refi Purpose |  | Rate/Term |
| 476317880709 |  |  |  |  | Rounding Method | Up |  |
| 476317880709 |  |  |  |  | Index Value | 0 |  |
| 476317880709 |  |  |  |  | MERS Min Number |  |  |
| 502268493361 |  |  |  |  | Margin | 0 |  |
| 502268493361 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 502268493361 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 502268493361 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 502268493361 |  |  |  |  | Rounding Factor | 0.000 |  |
| 502268493361 |  |  |  |  | Contract Sales Price |  |  |
| 502268493361 |  |  |  |  | Refi Purpose |  | Rate/Term |
| 311188826466 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 311188826466 |  |  |  |  | Margin | 0 |  |
| 311188826466 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 311188826466 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 311188826466 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 311188826466 |  |  |  |  | Rounding Factor | 0.125 |  |
| 311188826466 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 311188826466 |  |  |  |  | Original CLTV | 69.44 | 75 |
| 311188826466 |  |  |  |  | Original LTV | 69.44 | 75 |
| 311188826466 |  |  |  |  | Rounding Method | Up |  |
| 311188826466 |  |  |  |  | Index Value | 0 |  |
| 311188826466 |  |  |  |  | MERS Min Number |  |  |
| 934762767007 |  |  |  |  | Borrower First Name |  |  |
| 928253116911 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 27.721 | 22.35178 |
| 928253116911 |  |  |  |  | MERS Min Number |  |  |
| 488796414945 |  |  |  |  | Borrower First Name |  |  |
| 488796414945 |  |  |  |  | Margin | 0 |  |
| 488796414945 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 488796414945 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 488796414945 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 488796414945 |  |  |  |  | Rounding Factor | 0.000 |  |
| 488796414945 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 488796414945 |  |  |  |  | Rounding Method | Up |  |
| 488796414945 |  |  |  |  | Index Value | 0 |  |
| 488796414945 |  |  |  |  | MERS Min Number |  |  |
| 587487946906 |  |  |  |  | Borrower First Name |  |  |
| 587487946906 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 587487946906 |  |  |  |  | Margin | 0 |  |
| 587487946906 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 587487946906 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 587487946906 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 587487946906 |  |  |  |  | Rounding Factor | 0.000 |  |
| 587487946906 |  |  |  |  | Contract Sales Price |  |  |
| 587487946906 |  |  |  |  | Refi Purpose |  | Cash-out - Other |
| 587487946906 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 587487946906 |  |  |  |  | Rounding Method | Up |  |
| 587487946906 |  |  |  |  | Index Value | 0 |  |
| 587487946906 |  |  |  |  | MERS Min Number |  |  |
| 193778146811 |  |  |  |  | Margin | 0 |  |
| 193778146811 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 193778146811 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 193778146811 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 193778146811 |  |  |  |  | Rounding Factor | 0.000 |  |
| 193778146811 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 193778146811 |  |  |  |  | Index Value | 0 |  |
| 193778146811 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 40.402 | 36.81147 |
| 193778146811 |  |  |  |  | MERS Min Number |  |  |
| 329087758331 |  |  |  |  | Margin | 0 |  |
| 329087758331 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 329087758331 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 329087758331 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 329087758331 |  |  |  |  | Rounding Factor | 0.000 |  |
| 329087758331 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 329087758331 |  |  |  |  | Rounding Method | Up |  |
| 329087758331 |  |  |  |  | Index Value | 0 |  |
| 329087758331 |  |  |  |  | MERS Min Number |  |  |
| 731816246013 |  |  |  |  | Margin | 0 |  |
| 731816246013 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 731816246013 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 731816246013 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 731816246013 |  |  |  |  | Rounding Factor | 0.000 |  |
| 731816246013 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 731816246013 |  |  |  |  | Rounding Method | Up |  |
| 731816246013 |  |  |  |  | Index Value | 0 |  |
| 731816246013 |  |  |  |  | MERS Min Number |  |  |
| 584519509375 |  |  |  |  | Margin | 0 |  |
| 584519509375 |  |  |  |  | Interest Rate Life Min | 0 |  |
| 584519509375 |  |  |  |  | Interest Rate Life Max | 0 |  |
| 584519509375 |  |  |  |  | Interest Rate Periodic Cap | 0 |  |
| 584519509375 |  |  |  |  | Rounding Factor | 0.000 |  |
| 584519509375 |  |  |  |  | Interest Rate Initial Floor | 0 |  |
| 584519509375 |  |  |  |  | Original CLTV | 66.43 | 75 |
| 584519509375 |  |  |  |  | Original LTV | 66.5 | 75 |
| 584519509375 |  |  |  |  | Rounding Method | Up |  |
| 584519509375 |  |  |  |  | Index Value | 0 |  |
| 584519509375 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 26.587 | 32.135 |
| 584519509375 |  |  |  |  | MERS Min Number |  |  |
| 433320034375 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 433320034375 |  |  |  |  | MERS Min Number |  |  |
| 573205990441 |  |  |  |  | Origination Channel |  | Broker |
| 573205990441 |  |  |  |  | Originator Loan Designation | Non QM | Safe Harbor QM (APOR) |
| 573205990441 |  |  |  |  | Investor: Qualifying Housing Ratio | 47.506 | 44.13942 |
| 573205990441 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.542 | 45.10122 |
| 673195167976 |  |  |  |  | Borrower Last Name |  |  |
| 673195167976 |  |  |  |  | Appraisal Date |  |  |
| 673195167976 |  |  |  |  | MERS Min Number |  |  |
| 490089455739 |  |  |  |  | Borrower Last Name |  |  |
| 490089455739 |  |  |  |  | Coborrower Last Name |  |  |
| 490089455739 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 40.982 | 44.23131 |
| 490089455739 |  |  |  |  | MERS Min Number |  |  |
| 386380347522 |  |  |  |  | Coborrower Last Name |  |  |
| 386380347522 |  |  |  |  | Appraisal Date |  |  |
| 386380347522 |  |  |  |  | MERS Min Number |  |  |
| 789642857870 |  |  |  |  | Appraisal Date |  |  |
| 789642857870 |  |  |  |  | Contract Sales Price |  |  |
| 789642857870 |  |  |  |  | Originator Loan Designation | Safe Harbor QM | Safe Harbor QM (APOR) |
| 789642857870 |  |  |  |  | MERS Min Number |  |  |
| 184689186464 |  |  |  |  | MERS Min Number |  |  |
| 196491491204 |  |  |  |  | Property Type | Single Family | 3 Family |
| 196491491204 |  |  |  |  | Appraisal Date |  |  |
| 196491491204 |  |  |  |  | MERS Min Number |  |  |
| 734274100643 |  |  |  |  | Property Type | Single Family | 3 Family |
| 734274100643 |  |  |  |  | Appraisal Date |  |  |
| 500742244659 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 33.914 | 31.85687 |
| 500742244659 |  |  |  |  | MERS Min Number |  |  |
| 280442958703 |  |  |  |  | Property Type | PUD | PUD Attached |
| 280442958703 |  |  |  |  | Originator Loan Designation | Non QM | Higher Priced QM (APOR) |
| 280442958703 |  |  |  |  | Original PITI | 2371.74 | 3037.53 |
| 576876031833 |  |  |  |  | Property Type | PUD | Single Family Detached |
| 576876031833 |  |  |  |  | Originator Loan Designation | Non QM | Higher Priced QM (APOR) |
| 576876031833 |  |  |  |  | Original PITI | 5667.82 | 6674.24 |
| 862018220171 |  |  |  |  | Property Type | Single Family | 4 Family |
| 862018220171 |  |  |  |  | Original PITI | 3012.72 | 4697.44 |
| 566831941249 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 47.215 | 49.63229 |
| 835007344681 |  |  |  |  | Property Type | Single Family | 2 Family |
| 835007344681 |  |  |  |  | Originator Loan Designation | Non QM | Safe Harbor QM (APOR) |
| 356381476273 |  |  |  |  | Borrower Last Name |  |  |
| 732420964096 |  |  |  |  | Originator Loan Designation | Non QM | Safe Harbor QM (APOR) |
| 497267738773 |  |  |  |  | Originator Loan Designation | Non QM | Safe Harbor QM (APOR) |
| 634395085561 |  |  |  |  | Property Type | Single Family | 2 Family |
| 199777633406 |  |  |  |  | Originator Loan Designation | Non QM | Higher Priced QM (APOR) |
| 406343650038 |  |  |  |  | Appraised Value |  |  |
| 406343650038 |  |  |  |  | Originator Loan Designation | Non QM | Safe Harbor QM (APOR) |
| 423501612414 |  |  |  |  | Borrower Last Name |  |  |
| 423501612414 |  |  |  |  | Originator Loan Designation | Non QM | Safe Harbor QM (APOR) |
| 816693792704 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.69 | 37.49934 |
| 871521289867 |  |  |  |  | Property Type | PUD | Single Family Detached |
| 415275919087 |  |  |  |  | Representative FICO | 735 | 737 |
| 415275919087 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45.145 | 48.13086 |
| 754793703822 |  |  |  |  | Borrower Last Name |  |  |
| 776615749895 |  |  |  |  | LTV Valuation Value |  |  |
| 593704122594 |  |  |  |  | Original Interest Rate |  |  |
| 593704122594 |  |  |  |  | Property Type | Single Family Detached | PUD |
| 367522174210 |  |  |  |  | Original P&I | 2390.72 | 1627.32 |
| 367522174210 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 41.958 | 35.22104 |
| 974946465336 |  |  |  |  | Original P&I | 2329.2 | 1512.11 |
| 974946465336 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 37.097 | 26.91615 |
| 377279111753 |  |  |  |  | Original P&I | 7293.33 | 6524.41 |
| 610261274676 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.915 | 42.67637 |
| 448198060952 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 20.485 | 23.99351 |
| 677421197678 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Non QM |
| 561435414966 |  |  |  |  | Borrower Last Name |  |  |
| 661105138939 |  |  |  |  | Note Date |  |  |
| 661105138939 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 37.879 | 40.5105 |
| 108327973568 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 44.048 | 38.38598 |
| 102890128230 |  |  |  |  | Property Type | Single Family | 2 Family |
| 607894761806 |  |  |  |  | Note Date |  |  |
| 607894761806 |  |  |  |  | First Payment Date |  |  |
| 607894761806 |  |  |  |  | Maturity Date |  |  |
| 999711265939 |  |  |  |  | Note Date |  |  |
| 999711265939 |  |  |  |  | First Payment Date |  |  |
| 999711265939 |  |  |  |  | Maturity Date |  |  |
| 835558888646 |  |  |  |  | Note Date |  |  |
| 835558888646 |  |  |  |  | First Payment Date |  |  |
| 835558888646 |  |  |  |  | Maturity Date |  |  |
| 657016544612 |  |  |  |  | Property Type | PUD | PUD Attached |
| 657016544612 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 657016544612 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.811 | 35.83005 |
| 876812860775 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 10.9 | 19.18819 |
| 178773745014 |  |  |  |  | Borrower First Name |  |  |
| 178773745014 |  |  |  |  | Borrower Last Name |  |  |
| 178773745014 |  |  |  |  | Property Type | Single Family | 2 Family |
| 178773745014 |  |  |  |  | LTV Valuation Value |  |  |
| 605119565540 |  |  |  |  | Borrower First Name |  |  |
| 605119565540 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 44.725 | 40.28911 |
| 130100323696 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 150983391182 |  |  |  |  | Property Type | Single Family | 2 Family |
| 150983391182 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 150983391182 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.004 | 36.72029 |
| 694315312914 |  |  |  |  | Zip |  |  |
| 112056266946 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45.597 | 36.96763 |
| 776317655251 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.494 | 34.7309 |
| 501774516174 |  |  |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE |
| 209521974567 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 435232313188 |  |  |  |  | Original CLTV | 42.16 | 40.54 |
| 435232313188 |  |  |  |  | Original LTV | 42.16 | 40.54 |
| 435232313188 |  |  |  |  | LTV Valuation Value |  |  |
| 435232313188 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 47.846 | 38.11319 |
| 742950338247 |  |  |  |  | Note Date |  |  |
| 742950338247 |  |  |  |  | Original CLTV | 51.25 | 57.04 |
| 742950338247 |  |  |  |  | Original LTV | 51.25 | 57.04 |
| 742950338247 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) |
| 742950338247 |  |  |  |  | LTV Valuation Value |  |  |
| 370803000540 |  |  |  |  | Coborrower First Name |  |  |
| 500263848378 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.567 | 47.18593 |
| 220762360367 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) |
| 782636654261 |  |  |  |  | Property Type | Single Family | 2 Family |
| 102089297286 |  |  |  |  | Property Type | Single Family | 2 Family |
| 989852185655 |  |  |  |  | Property Type | Single Family | 2 Family |
| 541433136583 |  |  |  |  | Street |  |  |
| 541433136583 |  |  |  |  | Note Date |  |  |
| 541433136583 |  |  |  |  | Maturity Date |  |  |
| 783410129592 |  |  |  |  | Property Type | Single Family Detached | 3 Family |
| 487243928720 |  |  |  |  | Property Type | PUD | PUD Attached |
| 493223319623 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 46.296 | 41.87936 |
| 329633951525 |  |  |  |  | Note Date |  |  |
| 329633951525 |  |  |  |  | First Payment Date |  |  |
| 329633951525 |  |  |  |  | Maturity Date |  |  |
| 329633951525 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 40.801 | 43.5763 |
| 530813687838 |  |  |  |  | Original P&I | 3941.59 | 3319.68 |
| 530813687838 |  |  |  |  | Representative FICO | 787 | 785 |
| 530813687838 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.519 | 47.78425 |
| 485214738154 |  |  |  |  | Original P&I | 3880.4 | 3034.58 |
| 849579916022 |  |  |  |  | Original P&I | 2978.56 | 2017.21 |
| 849579916022 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) |
| 681311542751 |  |  |  |  | Original P&I | 5711.72 | 4256.43 |
| 681311542751 |  |  |  |  | Property Type | PUD | PUD Attached |
| 959587485228 |  |  |  |  | Original P&I | 2216.92 | 1478.57 |
| 269652525044 |  |  |  |  | Original P&I | 3483.24 | 2924.38 |
| 269652525044 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 30.653 | 34.3285 |
| 853455461955 |  |  |  |  | Original P&I | 3539.38 | 2407.45 |
| 751441053442 |  |  |  |  | First Payment Date |  |  |
| 751441053442 |  |  |  |  | Maturity Date |  |  |
| 479362733862 |  |  |  |  | First Payment Date |  |  |
| 479362733862 |  |  |  |  | Maturity Date |  |  |
| 442524977044 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) |
| 441630088115 |  |  |  |  | Note Date |  |  |
| 670027038621 |  |  |  |  | Note Date |  |  |
| 670027038621 |  |  |  |  | First Payment Date |  |  |
| 670027038621 |  |  |  |  | Maturity Date |  |  |
| 401181020362 |  |  |  |  | Maturity Date |  |  |
| 401181020362 |  |  |  |  | Original P&I | 2468 | 2467.69 |
| 401181020362 |  |  |  |  | Appraised Value |  |  |
| 401181020362 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Safe Harbor QM |
| 210093415289 |  |  |  |  | Maturity Date |  |  |
| 210093415289 |  |  |  |  | Original P&I | 2914 | 2913.77 |
| 210093415289 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 210093415289 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.493 | 35.28311 |
| 322628533534 |  |  |  |  | Maturity Date |  |  |
| 322628533534 |  |  |  |  | Original P&I | 2723 | 2723.38 |
| 322628533534 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.253 | 44.60228 |
| 256998328102 |  |  |  |  | Original P&I | 6786 | 6786.22 |
| 442314838309 |  |  |  |  | Original P&I | 5327 | 5327.18 |
| 442314838309 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 41.14 | 38.4154 |
| 127434281143 |  |  |  |  | Original P&I | 5736 | 5735.71 |
| 127434281143 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 40.715 | 44.77057 |
| 433794027057 |  |  |  |  | Maturity Date |  |  |
| 433794027057 |  |  |  |  | Original P&I | 5665 | 5664.94 |
| 835518393013 |  |  |  |  | Maturity Date |  |  |
| 835518393013 |  |  |  |  | Original P&I | 4608 | 4608.32 |
| 835518393013 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 40.326 | 49.15058 |
| 171711630480 |  |  |  |  | Maturity Date |  |  |
| 171711630480 |  |  |  |  | Original P&I | 4682 | 4682.14 |
| 171711630480 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 52.355 | 54.42765 |
| 643926988835 |  |  |  |  | Note Date |  |  |
| 643926988835 |  |  |  |  | Maturity Date |  |  |
| 643926988835 |  |  |  |  | Original P&I | 2987 | 2987.23 |
| 125747346933 |  |  |  |  | Maturity Date |  |  |
| 125747346933 |  |  |  |  | Original P&I | 2811 | 2810.9 |
| 125747346933 |  |  |  |  | Property Type | PUD | Single Family Detached |
| 604314163693 |  |  |  |  | Maturity Date |  |  |
| 604314163693 |  |  |  |  | Original P&I | 4182 | 4182.12 |
| 968714166542 |  |  |  |  | Maturity Date |  |  |
| 968714166542 |  |  |  |  | Original P&I | 8337 | 8337.22 |
| 968714166542 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Safe Harbor QM |
| 184129565729 |  |  |  |  | Maturity Date |  |  |
| 184129565729 |  |  |  |  | Original P&I | 3031 | 3031.05 |
| 804065070708 |  |  |  |  | Maturity Date |  |  |
| 804065070708 |  |  |  |  | Original P&I | 5859 | 5859.38 |
| 987253531623 |  |  |  |  | Maturity Date |  |  |
| 987253531623 |  |  |  |  | Original P&I | 6510 | 6509.57 |
| 987253531623 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 26.274 | 45.15381 |
| 492494747914 |  |  |  |  | Maturity Date |  |  |
| 492494747914 |  |  |  |  | Original P&I | 4455 | 4455.1 |
| 492494747914 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.149 | 42.61848 |
| 927942501608 |  |  |  |  | Maturity Date |  |  |
| 927942501608 |  |  |  |  | Original P&I | 3313 | 3312.75 |
| 927942501608 |  |  |  |  | Property Type | PUD | Single Family Attached |
| 927942501608 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 966791415148 |  |  |  |  | Maturity Date |  |  |
| 966791415148 |  |  |  |  | Original P&I | 2658 | 2657.88 |
| 627820488124 |  |  |  |  | Maturity Date |  |  |
| 627820488124 |  |  |  |  | Original P&I | 3179 | 3179.3 |
| 914144680055 |  |  |  |  | Maturity Date |  |  |
| 914144680055 |  |  |  |  | Original P&I | 4333 | 4333.02 |
| 424560120365 |  |  |  |  | Maturity Date |  |  |
| 424560120365 |  |  |  |  | Original P&I | 3424 | 3423.58 |
| 187841532975 |  |  |  |  | Maturity Date |  |  |
| 187841532975 |  |  |  |  | Original P&I | 2774 | 2774.15 |
| 187841532975 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 187841532975 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 18.175 | 53.69795 |
| 814248348386 |  |  |  |  | Maturity Date |  |  |
| 814248348386 |  |  |  |  | Original P&I | 3127 | 3127.08 |
| 313634837055 |  |  |  |  | Note Date |  |  |
| 313634837055 |  |  |  |  | Maturity Date |  |  |
| 313634837055 |  |  |  |  | Original P&I | 5418 | 5417.89 |
| 313634837055 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 52.587 | 49.39516 |
| 228803044622 |  |  |  |  | Maturity Date |  |  |
| 228803044622 |  |  |  |  | Original P&I | 8078 | 8077.93 |
| 228803044622 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 44.968 | 50.72555 |
| 254229153458 |  |  |  |  | Maturity Date |  |  |
| 254229153458 |  |  |  |  | Original P&I | 3776 | 3775.52 |
| 875605385960 |  |  |  |  | Maturity Date |  |  |
| 875605385960 |  |  |  |  | Original P&I | 7390 | 7390.37 |
| 875605385960 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.681 | 41.82321 |
| 849950969581 |  |  |  |  | Maturity Date |  |  |
| 849950969581 |  |  |  |  | Original P&I | 4296 | 4296.21 |
| 832889318959 |  |  |  |  | Maturity Date |  |  |
| 832889318959 |  |  |  |  | Original P&I | 2449 | 2448.51 |
| 539076734048 |  |  |  |  | Maturity Date |  |  |
| 539076734048 |  |  |  |  | Original P&I | 4457 | 4456.51 |
| 384030243368 |  |  |  |  | Maturity Date |  |  |
| 384030243368 |  |  |  |  | Original P&I | 4655 | 4654.51 |
| 729519308695 |  |  |  |  | Maturity Date |  |  |
| 729519308695 |  |  |  |  | Original P&I | 4216 | 4216.04 |
| 886945312733 |  |  |  |  | Maturity Date |  |  |
| 886945312733 |  |  |  |  | Original P&I | 5539 | 5538.81 |
| 886945312733 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 29.504 | 47.93721 |
| 800925318356 |  |  |  |  | Maturity Date |  |  |
| 800925318356 |  |  |  |  | Original P&I | 5100 | 5100.3 |
| 748169041167 |  |  |  |  | Maturity Date |  |  |
| 748169041167 |  |  |  |  | Original P&I | 2738 | 2738.29 |
| 685567693717 |  |  |  |  | Maturity Date |  |  |
| 685567693717 |  |  |  |  | Original P&I | 3462 | 3462.23 |
| 685567693717 |  |  |  |  | Representative FICO | 815 | 804 |
| 685567693717 |  |  |  |  | Property Type | Single Family Detached | PUD |
| 923185287431 |  |  |  |  | Maturity Date |  |  |
| 923185287431 |  |  |  |  | Original P&I | 3655 | 3655.31 |
| 497286606299 |  |  |  |  | Maturity Date |  |  |
| 497286606299 |  |  |  |  | Original P&I | 6640 | 6640.26 |
| 497286606299 |  |  |  |  | Representative FICO | 795 | 787 |
| 526503225268 |  |  |  |  | Maturity Date |  |  |
| 526503225268 |  |  |  |  | Original P&I | 4057 | 4056.89 |
| 984111121449 |  |  |  |  | Maturity Date |  |  |
| 984111121449 |  |  |  |  | Original P&I | 9797 | 9796.85 |
| 984111121449 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 48.206 | 44.83916 |
| 814511952484 |  |  |  |  | Maturity Date |  |  |
| 814511952484 |  |  |  |  | Original P&I | 4594 | 4594.48 |
| 814511952484 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 29.519 | 35.73289 |
| 619905439127 |  |  |  |  | Maturity Date |  |  |
| 619905439127 |  |  |  |  | Original P&I | 8829 | 8829.21 |
| 858133368312 |  |  |  |  | Maturity Date |  |  |
| 858133368312 |  |  |  |  | Original P&I | 3302 | 3301.57 |
| 849992599610 |  |  |  |  | Maturity Date |  |  |
| 849992599610 |  |  |  |  | Original P&I | 6162 | 6162.2 |
| 849992599610 |  |  |  |  | Appraised Value |  |  |
| 878087575516 |  |  |  |  | Maturity Date |  |  |
| 878087575516 |  |  |  |  | Original P&I | 3397 | 3396.58 |
| 723903351362 |  |  |  |  | Street |  |  |
| 723903351362 |  |  |  |  | Maturity Date |  |  |
| 723903351362 |  |  |  |  | Original P&I | 3575 | 3575.2 |
| 522348777658 |  |  |  |  | Maturity Date |  |  |
| 522348777658 |  |  |  |  | Original P&I | 4979 | 4978.71 |
| 522348777658 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 44.97 | 53.01678 |
| 958550340216 |  |  |  |  | Maturity Date |  |  |
| 958550340216 |  |  |  |  | Original P&I | 4439 | 4439.1 |
| 491478264717 |  |  |  |  | Note Date |  |  |
| 491478264717 |  |  |  |  | First Payment Date |  |  |
| 491478264717 |  |  |  |  | Maturity Date |  |  |
| 597179123108 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 194956207629 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Non QM |

---

## Exhibit 99.13

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.13**

![(graphic)](ex9913001.jpg)

**01/10/2023**<br> **Due Diligence Narrative Report**<br>

![(graphic)](ex9913002.jpg)

---

| | |
|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *4* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 1 January 10, 2023

![(graphic)](ex9913002.jpg)

**Clayton Contact Information**

---

| | | |
|:---|:---|:---|
| Client Service Management: | Client Service Management: | Client Service Management: |
| ![(graphic)](ex9913003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![(graphic)](ex9913003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 2 residential loans.

On behalf of HomeXpress Mortgage Corp., Clayton conducted an independent third-party pre-securitization due diligence review of 8 residential loans.

Blue River Mortgage III LLC subsequently purchased these loans via Reliance Letter and selected them for the GCAT 2023-NQM1 transaction.

The loans referenced in this narrative report were reviewed on a flow basis between July 2019 and February 2022 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** |

---

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 2 January 10, 2023

![(graphic)](ex9913002.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and was performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br>***Reviewed by<br> Clayton*** <br>| &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;10 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;10 |  |

---

Sponsor Acquisition Criteria

The loans were originated to each Seller's Guidelines and Clayton reviewed the loans to each Seller Guide Loan Eligibility Requirements, ("Sponsor Acquisition Criteria"). Clayton was supplied with all of the changes to the guidelines with advance notice. Guidelines presented were:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Primary Guideline** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Arca Lending/Acra's Seller Guide/01/01/21/01/2021 | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;HomeXpress/Mortgage Guidelines | &nbsp;&nbsp;8 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100.00%** |

---

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 3 January 10, 2023

![(graphic)](ex9913002.jpg)

Loan Grading

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

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

TPR Component Review Scope

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

Credit Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 whether the characteristics of the mortgage loans and the borrowers conformed to the
 Sponsor Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated
 LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
 the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed
 asset statements in order to determine whether funds to close and reserves were within
 Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed
 that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify risk evaluation report, which was located in each loan file, for income,
 employment, Nationwide Mortgage Licensing System and Registry ("NMLS") and
 occupancy status alerts. Clayton researched alert information against loan documentation
 and assigned loan conditions accordingly.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (10 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (10 loans) <br>
Clayton applied a cascade methodology to determine if the
 original appraised value was reasonably supported when compared to an independent third
 party valuation product. Loans were held to a -10% tolerance utilizing the following
 waterfall;

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 4 January 10, 2023

![(graphic)](ex9913002.jpg)

● AVM

● BPO

● Desk Review

● Field Review

● Second Full Appraisal

For further detail please refer to the GCAT 2023-NQM1 Valuations Summary Report

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

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

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

– Prepayment Penalty restrictions.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 5 January 10, 2023

![(graphic)](ex9913002.jpg)

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

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

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election of Blue River Mortgage III LLC.

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

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

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 6 January 10, 2023

![(graphic)](ex9913002.jpg)

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

Data Integrity

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

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

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

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

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

Data Capture

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

**Data Compare Results**

Clayton provided Blue River Mortgage III LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;80.00% |

---

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 7 January 10, 2023

![(graphic)](ex9913002.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 6 |  | 1 | 2 | **9** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **6** | **1** | **1** | **2** | **10** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 8 |  |  | 2 | **10** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **8** | **0** | **0** | **2** | **10** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 9 |  |  |  | **9** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **9** | **1** | **0** | **0** | **10** |

---

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 8 January 10, 2023

![(graphic)](ex9913002.jpg)

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 9 |  | 1 |  | **10** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **9** | **0** | **1** | **0** | **10** |

---

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

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Form
 15E

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Loan
 Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Waived
 Conditions Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations
 Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. NON-ATR
 QM Upload

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. ASF
 Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Rating
 Agency ATR/QM Data Fields

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 9 January 10, 2023

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**Appendix A: Credit Review Scope**

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed
 by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared
 IRS tax transcripts to income documentation and noted any inconsistencies

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 10 January 10, 2023

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 documentation in loan file

○ Asset review included:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification
 of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 documentation in loan file

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life
 of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

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

– Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

**Appendix B: Origination Appraisal Assessment**

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

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

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

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○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 interior photos – kitchen, all baths, main living area, updates/upgrades, deferred
 maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos
 of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior
 sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC
 Market Conditions Report

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

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

○ USPAP

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

C. Reviewed
 and graded the appraisal valuation to the following criteria:

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

– Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

– Comps used were reasonably recent in transaction date and if not the reason was furnished

– Comps used were reasonably similar to the subject property and if not an explanation was supplied

– Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

○ Property was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

○ Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

– Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

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– Property usage was reviewed for zoning compliance

– Property utilization was reviewed to determine it was "highest and best use"

– Neighborhood values were reviewed to determine if declining

– Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

– Any health and safety issues were noted and/or remediated

– Locational and/or environmental concerns adequately addressed if present

D. Property
 Eligibility Criteria – Clayton reviewed the property to determine that the property
 met the client supplied eligibility requirements. Examples of ineligible property types
 may include:

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties
 Affected by Disasters Criteria – Clayton reviewed the appraisal date against any
 FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance
 due to a federal government disaster declaration.

○ If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

F. Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness

○ Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

○ Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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G. Desk
 Review definitions

○ Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer.

○ ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

○ GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory on January 1, 2010

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation within the loan file

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

○ Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

○ Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower

○ Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

○ TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

○ Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

○ ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

○ Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

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○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

○ Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

○ Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

○ ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

○ TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope" and "RMBS 3.0 TRID Compliance Review Scope©"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate
 ("LE") and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

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● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

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● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp;Vermont<br>(High Rate, High Point law)<br>|
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp;Ohio, including<br>Cleveland Heights ordinance<br>|  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

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**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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See above for additional details on Consumer Protection Laws and the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope.

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2023 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

GCAT 2023-NQM1 Due Diligence Narrative Report Page \| 20 January 10, 2023

## Exhibit 99.14

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.14**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **GCAT 2023-NQM1** |
| **Start - End Dates:** | **7/14/2019 - 2/17/2022** |
| **Deal Loan Count:** | **10** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *10* |
| ***Loans with Conditions:*** | *4* |
| **1 - Total Active Conditions** | **1 - Total Active Conditions** |
| **1 - Non-Material Conditions** | **1 - Non-Material Conditions** |
|  | 1 - Property Valuations Review Scope |
|  | 1 - Category: Property |
| **3 - Total Satisfied Conditions** | **3 - Total Satisfied Conditions** |
|  | 2 - Credit Review Scope |
|  | 2 - Category: Application |
|  | 1 - Compliance Review Scope |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **10** | **10** | **10** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *10* | *10* | *10* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *4* | *4* | *4* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 491032204085 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX XXX for 28 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at the subject property for three years with all rents paid on time. He is now purchasing said property.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: All creditors reflect paid as agreed |
| 926168916145 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 81, max LtV 90<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 qualifying credit score<br>CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Borrower has over 6 months reserves in PITI |
| 849355495947 | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide a complete Application with borrower's citizenship status. File contains XXX State Driver's license for borrower however initial application and final application is missing the citizenship status. | 1.19.2022-Clients response Please see the attached document for a copy of the completed 1003 that should be sufficient to satisfy the exception. 1.19.2022-Upon further review the revised 1003 showing the borrower citizenship as a Non-Permanent Resident Alien. The borrower has provided his Washington State Drivers License and a letter from the IRS with his ITIN number. Exception has been satisfied. | 1.19.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at the current residence for 7.16 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 15.45%; guideline maximum is 50%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX for 9.25 years. |
| 183960597585 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing initial loan estimate dated within 3 days of application date of XXX. | 2/2/2022 - Please see attached snapshot that we received the loan application on XXX. also see attached that we sent the loan estimate on XXX. Original application was submitted by broker on XXX. Our status shows we did not receive it until 12/16/2021. Since LE was within 3 days of reception, please clear the condition. 2/4/2022 - Upon further review Lender provided the Status update and LE that shows Lender received application on XXX and LE was issued XXX. No further documentation needed for this exception. | 2/4/2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 747.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for over 4 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 6 years. |
| 604314705986 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 661787709711 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 775.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV : 68.67Max Allowable LTV : 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for more than 2 years. |
| 521742143510 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Please provide clear drivers license copies for both deed holdersPlease provide non-permanent resident alien card, front and back copy | 2.2.2022-Clients response Please see the attached driver license front and back for both borrowers.2.2.2022-Upon further review the Driver's Licenses for both borrowers have been received and reviewed. Please provide the Non-Permanent Resident Alien cards for both borrowers. Exception remains. 2.03.2022-Clients response Please see the attached ITINS for both borrowers . please clear the condition.2.03.2022-Upon further review the ITIN for both borrowers has been reviewed and accepted. Exception is satisfied. | 2.2.2022-Exception remains.2.03.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.09<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico 747<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No late pays in 5 years |
| 460291559374 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at the current residence for 9.7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 47.27%; guideline maximum is 65%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX for 16.2 years. |
| 445610140836 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Guidelines for Newer Condos, (subject built 2020), state 60% of total units must be sold. Of 263 total units, 143 units have sold, or 54.373%. 60% of total units is 158 to be sold to meet guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Per application borrower has been in residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of XXX with XXX EMD received. Borrower received XXX back at closing, satisfying reserve requirement of XXX for LTV of 69.99% and a DSCR < 1.0. |
| 525845309316 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $XXX required to close results in reserves of XXX. Reserves not required at 60.74% LTV with a DSCR > 1.0.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per application borrower has been XXX for 17 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.74% is below guideline maximum of 70%. |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **10** | **10** | **10** | **10** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *10* | *10* | *10* | *10* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *4* | *4* | *4* | *4* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 491032204085 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 926168916145 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 849355495947 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 183960597585 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 604314705986 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 661787709711 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 521742143510 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 460291559374 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 445610140836 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 525845309316 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |

---

## Exhibit 99.15

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.15**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |
| **Client Project Name:** | GCAT 2023-NQM1 | GCAT 2023-NQM1 | GCAT 2023-NQM1 |  |
| **Start - End Dates:** | 7/14/2019 - 2/17/2022 | 7/14/2019 - 2/17/2022 | 7/14/2019 - 2/17/2022 |  |
| **Deal Loan Count:** | 10 | 10 | 10 |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *10* | *10* | *10* |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 445610140836 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 525845309316 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 491032204085 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 460291559374 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 460291559374 | XXXXXX | Property Type | Detached PUD | Attached PUD |
|©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.16

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.16**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 |
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **10** | **10** | **10** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Loans in Report: | 10 | 10 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 491032204085 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3119 | Yes | Yes | 3.064 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.09 | 39.58 | 40.09 | 42.65 | 39.58 | 39.58 | Yes | Yes | Yes | 4710.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 926168916145 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.4970 | Yes | Yes | 3.999 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.65 | 40.65 | 40.65 | 40.65 | 40.65 | 40.65 | No | No | (No Data) | 3272.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 849355495947 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.8192 | Yes | Yes | 3.431 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.62 | 15.45 | 12.62 | 15.45 | 15.45 | 15.45 | No | No | (No Data) | 11092.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 183960597585 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 5.8940 | No | No | 3.22 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.4 | 44.29 | 44.4 | 44.29 | 44.29 | 44.29 | No | No | (No Data) | 3650.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 604314705986 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.8536 | Yes | Yes | 3.793 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 19.11 | 19.25 | 19.11 | 19.25 | 19.25 | 19.25 | No | No | (No Data) | 7588.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 661787709711 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.8918 | Yes | Yes | 4.133 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.6 | 25.43 | 25.6 | 25.43 | 25.43 | 25.43 | No | No | (No Data) | 3877.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> Written VOE - 35 months; | (No Data) | (No Data) | (No Data) |
| 521742143510 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.6903 | Yes | Yes | 3.608 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.99 | 32.09 | 32.99 | 32.09 | 32.09 | 32.09 | No | No | (No Data) | 3704.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 460291559374 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 5.2183 | Yes | Yes | 3.196 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.16 | 42.17 | 42.16 | 42.17 | 42.17 | 42.17 | No | No | (No Data) | 3157.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 445610140836 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3346.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 0.7768 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 525845309316 | XXXXXX | XXXXXX | XXXXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 6.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2942.65 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.0194 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.17

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.17**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** | **GCAT 2023-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** | **7/14/2019 - 2/17/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **10** | **10** | **10** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *10* | *10* | *10* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 491032204085 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5702 | XXXXXX | 7.3119 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2710.87 |
| 926168916145 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10662.14 | XXXXXX | 5.497 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 849355495947 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8834.13 | XXXXXX | 5.8192 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 183960597585 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6286 | XXXXXX | 5.894 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 604314705986 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6868.5 | XXXXXX | 5.8536 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 661787709711 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8131 | XXXXXX | 4.8918 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 521742143510 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8950 | XXXXXX | 4.6903 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 460291559374 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7971 | XXXXXX | 5.2183 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 445610140836 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 525845309316 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 6804 | XXXXXX | 6.375 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.18

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | GCAT 2023-NQM1 | GCAT 2023-NQM1 | GCAT 2023-NQM1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 7/14/2019 - 2/17/2022 | 7/14/2019 - 2/17/2022 | 7/14/2019 - 2/17/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 10 | 10 | 10 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *10* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 491032204085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.23% | Collateral Analytics | 7.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 926168916145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  |  | $0.00 | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 849355495947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 183960597585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  |  | $0.00 | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 604314705986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  |  | $0.00 | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 661787709711 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  |  | $0.00 | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 521742143510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  |  | $0.00 | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 460291559374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  |  | $0.00 | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 445610140836 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 525845309316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | XXXXXX | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.19

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.19**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GCAT 2023-NQM1** |
| **Start - End Dates:** | **7/14/2019 - 2/17/2022** |
| **Deal Loan Count:** | **10** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.20

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.20**

![](ex9920001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Blue River Mortgage III LLC. The review included a total of 103 newly originated, QM/ATR Exempt and Non QM residential mortgage loans, in connection with the securitization identified as GCAT 2023-NQM1 (the "Securitization"). The review began on June 10, 2021, and concluded on August 15, 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Guideline
Review

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI

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

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;j. QM
or ATR Validation / Review of 8 Key Underwriting Factors (If applicable)

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;s. General
QM for any loans originated under the GQM Rule.(If applicable)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products (AVM's, CDA's and Field reviews) were obtained to confirm
 the value was supported within 10% tolerance. This population was obtained by the client
 and ordered by Digital Risk.

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

**Data Discrepancy**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months - (M) | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.94% |
| &nbsp;&nbsp;Gross Margin (M) [CP] | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.83% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;52 | &nbsp;&nbsp;50.49% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;56 | &nbsp;&nbsp;$26799792.00 | &nbsp;&nbsp;54.37% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;47 | &nbsp;&nbsp;$19474600.00 | &nbsp;&nbsp;45.63% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;103 | &nbsp;&nbsp;$46274392.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;102 | &nbsp;&nbsp;$46001392.00 | &nbsp;&nbsp;99.03% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$273000.00 | &nbsp;&nbsp;0.97% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;103 | &nbsp;&nbsp;$46274392.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;57 | &nbsp;&nbsp;$27072792.00 | &nbsp;&nbsp;55.34% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;46 | &nbsp;&nbsp;$19201600.00 | &nbsp;&nbsp;44.66% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;103 | &nbsp;&nbsp;$46274392.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;103 | &nbsp;&nbsp;$46274392.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;103 | &nbsp;&nbsp;$46274392.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions:**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |

---

---

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

---

## Exhibit 99.21

---

| | | |
|:---|:---|:---|
| **Loan Count:** | 103 |  |
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months - (M) | 2 | 1.94% |
| Gross Margin (M) [CP] | 6 | 5.83% |
| Note Date | 52 | 50.49% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 1/5/2023 9:31:23 AM |  |  |  |  |  |
| **Loan Count:** | 109 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 606186417537 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 463097292286 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 170158291605 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 581973721861 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 653447551270 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 578353987228 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 659070245441 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 408199716096 | XXXX | Gross Margin (M) [CP] | XXXX | XXXX |
| XXXX | XXXX | 318899459381 | XXXX | Gross Margin (M) [CP] | XXXX | XXXX |
| XXXX | XXXX | 312015840552 | XXXX | Amortization Term in Months - (M) | XXXX | XXXX |
| XXXX | XXXX | 708175270430 | XXXX | Gross Margin (M) [CP] | XXXX | XXXX |
| XXXX | XXXX | 636160122738 | XXXX | Gross Margin (M) [CP] | XXXX | XXXX |
| XXXX | XXXX | 319883003574 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 298882678759 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 399135048265 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 717403730200 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 213723750644 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 131825199917 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 728087739254 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 168572647828 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 258369962821 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 797410299976 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 543609279081 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 655217208239 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 350332347628 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 246252324737 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 718458802412 | XXXX | Amortization Term in Months - (M) | XXXX | XXXX |
| XXXX | XXXX | 441651234060 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 899601280223 | XXXX | Gross Margin (M) [CP] | XXXX | XXXX |
| XXXX | XXXX | 899601280223 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 387919599301 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 946173759865 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 717613653424 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 916806286001 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 822245126888 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 213467284689 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 460898111169 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 685764934349 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 410923406093 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 827516267578 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 873451851787 | XXXX | Gross Margin (M) [CP] | XXXX | XXXX |
| XXXX | XXXX | 873451851787 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 302604764699 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 532744565480 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 261955486244 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 600342524346 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 532765609770 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 636215493373 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 868250758355 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 936890549131 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 743784441221 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 145236064127 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 168395759472 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 330812242594 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 972292200249 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 337517033122 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 346473560242 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 919263581916 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 928822394605 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 100197044000 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |

---

## Exhibit 99.22

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.22**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 606186417537 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 463097292286 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 241227922548 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 339106011681 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 170158291605 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 581973721861 | XXXX | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 C B A |
| XXXX | 812002138865 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 547891936770 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 653447551270 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 578353987228 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 659070245441 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 462853546020 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 271903015196 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 408199716096 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 579183148578 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 198410697554 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 318899459381 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 426335731036 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 598231336025 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 433995379812 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 974880116519 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 312015840552 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 983275990138 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 301556254156 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 188622073695 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 708175270430 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 556378268605 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 836556590496 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 702224976737 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B A |
| XXXX | 523556839777 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 494390319406 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 269638264118 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 131515407355 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 145215042761 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B A |
| XXXX | 380557027849 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 488770046338 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 530509231979 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 194049348262 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 636160122738 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 665192683734 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 653324098617 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 734649379066 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 756038674169 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 309092191178 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 438198846064 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 329667209662 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 815007861310 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 919263581916 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 827516267578 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 532744565480 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 346473560242 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 330812242594 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 928822394605 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 915062541842 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 868250758355 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 685764934349 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 168395759472 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 987411733047 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 822245126888 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 936890549131 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 543609279081 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 213467284689 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 337517033122 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 797410299976 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 168572647828 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 399135048265 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 426997508542 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 946173759865 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 441651234060 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 258369962821 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 743784441221 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 655217208239 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 261955486244 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 703002196178 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 350332347628 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 145236064127 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 298882678759 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 717613653424 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 972292200249 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 979996561194 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 302604764699 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 387919599301 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 410923406093 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 600342524346 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 899601280223 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 246252324737 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 728021600566 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 319883003574 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 131825199917 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 3 | 1 C B A |
| XXXX | 532765609770 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 717403730200 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 728087739254 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 636215493373 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 460898111169 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 718458802412 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 213723750644 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 873451851787 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 100197044000 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 916806286001 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 693578773058 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 974687703406 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 229121341612 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 158176097522 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |

---

## Exhibit 99.23

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** | **AG Supplemental Data Report** |  |
| **Seller Loan ID** | **Loan ID** | **TILA designation** | **Loan Level ATR** | **QM Status** | **Documentation Type** | **Third Party Preparer** | **DSCR** | **DSCR Rent Source** | **DSCR with Rent Schedule Flag** | **DSCR Monthly Rent** | **DSCR PITIA** | **Borrower Citizenship Status** | **Borrower Immigration Doc Type** | **Co Borrower Citizenship Status** | **Co Borrower Immigration Doc Type** | **Application Date** | **FC Date** | **BK Date** | **DIL Date** | **SS Date** | **County** | **Years in Home** | **Mortgage History 1x30** | **Mortgage History 1x60** | **Mortgage History 1x90** | **Mortgage History 1x120** | **Borrower Occupation** | **Borrower Employer** | **Co Borrower Occupation** | **Co Borrower Employer** | **Bank Statement Type** | **Bank Statement # of Months** | **WVOE Flag** | **P&L # of Months** | **Individual/Business Entity** | **Overall Grade** | **Credit Grade** | **Property Valuation Grade** | **Compliance Grade** |
| XXXX | 974687703406 | Non-QM/ATR Compliant | ATR Compliant | Non-QM | XXXX |  |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 170158291605 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 241227922548 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 463097292286 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 983275990138 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 598231336025 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 329667209662 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 653324098617 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 665192683734 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 530509231979 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 380557027849 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 269638264118 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 836556590496 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 346473560242 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 972292200249 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 168395759472 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 703002196178 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 743784441221 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 936890549131 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 532765609770 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 261955486244 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 532744565480 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 302604764699 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 873451851787 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 827516267578 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 460898111169 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 213467284689 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 158176097522 | Non-QM/ATR Compliant | ATR Compliant | Non-QM | XXXX |  |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 229121341612 | Non-QM/ATR Compliant | ATR Compliant | Non-QM | XXXX |  |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  | XXXX | 2 | 2 | 1 | 1 |
| XXXX | 659070245441 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 578353987228 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 653447551270 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 547891936770 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 812002138865 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 581973721861 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 339106011681 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 606186417537 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 708175270430 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 188622073695 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 301556254156 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 312015840552 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 974880116519 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 433995379812 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 318899459381 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 426335731036 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 198410697554 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 579183148578 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 408199716096 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 271903015196 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 916806286001 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 946173759865 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 246252324737 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 543609279081 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 258369962821 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 728087739254 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 717403730200 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 728021600566 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 915062541842 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 298882678759 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 462853546020 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 438198846064 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 309092191178 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 756038674169 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 734649379066 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 636160122738 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 194049348262 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 488770046338 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 145215042761 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 131515407355 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 494390319406 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 523556839777 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 702224976737 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 556378268605 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 100197044000 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 928822394605 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 919263581916 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 337517033122 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 987411733047 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 330812242594 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 145236064127 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 979996561194 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 868250758355 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 636215493373 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 600342524346 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 410923406093 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 685764934349 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 822245126888 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 717613653424 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 387919599301 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 899601280223 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 441651234060 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 718458802412 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 350332347628 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 655217208239 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 797410299976 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 815007861310 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 168572647828 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 131825199917 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 213723750644 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 2 | 1 | 1 | 2 |
| XXXX | 426997508542 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 399135048265 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 319883003574 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | 1 | 1 | 1 | 1 |
| XXXX | 693578773058 | Not Covered/exempt | ATR Exempt | QM Exempt | XXXX |  |  |  | XXXX |  |  | XXXX |  |  |  | XX/XX/XXXX |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX |  | XXXX | 2 | 1 | 1 | 2 |

---

## Exhibit 99.24

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.24**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 606186417537 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 463097292286 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) State Testing- <br>The file failed one or more of the state threshold tests.This loan failed the threshold loan points and fees test. (Municipal Code of XXXX § XXXX) and (XXXX, XXXX Ord. XXXX § 2 "Threshold loan" (2)) The total points and fees of the mortgage exceed 5% of the total loan amount in the case that the loan amount is XXXX or greater, or XXXX in the case that the loan amount is less than XXXX. Fees that were included in the test: Administration Fee: XXXX, Closing Protection Letter: XXXX,Flood Certification: XXXX, Mortgage Broker: XXXX, Points - Loan Discount: XXXX, Processing: XXXX, Recording Service: XXXX, Settlement or Closing Fee: XXXX, Tax Service Fee: XXXX, Title Courier: XXXX and Underwriting: XXXX.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> A cost to cure in the amount of XXXX is required.. A LOE, PCCD, copy of the refund check & proof of delivery will clear the finding. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) Program Parameters- <br>The subject loan does not meet Program Parameters for CPA PTIN. Guidelines require a PTIN number for the CPA; however, there is no documentation in the loan file for PTIN, as required.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Program Parameters- <br>The subject loan does not meet Program Parameters for Eligible Properties. The file is missing documentation that the subject condo is Warrantable. There is no condominium documentation in the file. If non warrantable, the LTV of XXXX% would exceed the 65% maximum.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> 1008 in file does not indicate that condo is warrantable. Condo Questionnaire and Master Policy are missing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 241227922548 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) Hazard Insurance- <br>The loan was missing current hazard insurance policy on the subject property which sufficient coverage/replacement cost. The loan file only contained a paid receipt, which did not reflect any coverage amount.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 339106011681 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>The file failed one or more of the state threshold tests. This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section XXX, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the XXXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. The loan has an APR of XXXX%. The APR threshold is 4.630%. The loan is compliant with XXXX Subprime limitations and prohibited practices.<br>(Open) TRID CD ' Incorrect Section- <br>The Title - Settlement Fee was included in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Non-material defect.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 170158291605 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value not supported within 10% of original appraisal amount- <br>The value was not supported within 10% of the appraised value as of the effective date. The loan file did not contain an AVM or 2nd appraisal as required to verify the appraised value.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 581973721861 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan has an APR of XXXX%. The APR threshold is XXXX%. The loan is compliant with XXXX Subprime limitations and prohibited practices.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Secondary Valuation Product Not Provided- <br>The loan file does not contain evidence that a secondary valuation product was ordered or performed.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | 3 | 2 | 1 | 1 | 2 | 2 | 3 | 1 C B A |
| XXXX | 812002138865 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 547891936770 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 653447551270 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>The file failed one or more of the state threshold tests. This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section XXXX, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the XXXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. The loan has an APR of XXXX%. The APR threshold is 4.72%. The loan is compliant with XXXX Subprime limitations and prohibited practices.<br>**  | **(Clear) Hazard Insurance- <br>Hazard Insurance. The loan was missing current hazard insurance policy on the subject property which reflected sufficient coverage/replacement cost. The subject loan amount is XXXX. The HOI in the loan file does not evidence the dwelling coverage amount. The loan file did not contain evidence of sufficient HOI coverage.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 578353987228 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 659070245441 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 462853546020 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>State Testing. This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section XXX, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX Subprime limitations and prohibited practices.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 271903015196 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Hazard Insurance- <br>The loan was missing current hazard insurance policy on the subject property which reflected sufficient coverage/replacement cost. The guidelines require a homeowner insurance policy to be obtained with replacement cost coverage. The subject loan amount is XXXX. The appraisal reflects a replacement cost new estimate of XXXX; however, the evidence of hazard insurance in the loan file only reflects total coverage of XXXX, which is insufficient to cover the replacement cost.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 408199716096 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Resident Alien- <br>The borrower indicates XXXX status; however, the file contains no evidence documenting status as legally authorized. The loan file did not contain evidence of a valid employment authorization or XXXX as required by guidelines.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Application is not sufficient. Most recent Employment Authorization card expired XX/XX/XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 579183148578 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 198410697554 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 318899459381 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section XXX, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX Subprime limitations and prohibited practices.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM, dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 426335731036 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID CD ' Transaction Information/Seller Info- <br>The CD issued on XX/XX/XXXX does not reflect the seller information. Non-material defect.<br>(Open) State Testing- <br>This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX Subprime limitations and prohibited practices.<br>**  | **(Clear) Flood Cert- <br>The flood certificate is missing.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Contract- <br>The file contained no evidence of a properly executed sales contract.(contract is missing)<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 598231336025 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) TRID - Zero Tolerance Violation Not Cured- <br>The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Transfer Tax. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of XXXX is required. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv)<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) Credit Date- <br>The credit report was too old at the time of closing based on guides. The guidelines indicate credit reports expire after 90 days. The loan file contains a credit report dated XX/XX/XXXX. The loan closed XX/XX/XXXX which is 100 days after the credit report was pulled. The credit report in the file is > 90 days old.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 433995379812 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 974880116519 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 312015840552 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Program Parameters- <br>The subject loan does not meet Program Parameters for LTV on the subject property. According to program guidelines, for a cash-out refinance of a primary property the maximum LTV allowed is a XXXX%. The subject loan closed with a LTV of XXXX%<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Subject is cash-out, which allows a maximum LTV of 65%. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please provide matrix. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Secondary Valuation Product Not Provided- <br>The loan file does not contain evidence that a secondary valuation product was ordered or performed.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM does not support appraised value within 10%. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Respolved)<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 983275990138 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) TRID - Finance Charge Fail- <br>This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than XXXX.. The following fees were included in testing: Administration Fee, Mortgage Broker Fee, Processing Fee, Tax Service fee, Underwriting Fee, Flood Certification, Attorney's Fee, CPL, Electronic Recording Service Fee, and Prepaid Interest. . The loan fails by XXXX. If curing with a reimbursement, please provide the following documents: LOE, copy of refund, proof of delivery.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) Application- <br>The final application is either inaccurate, missing or not signed as required by guides. The loan file contains an initial application dated XX/XX/XXXX. However, the loan file does not contain a final application executed by the borrower at closing.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 301556254156 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 188622073695 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 708175270430 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Hazard Insurance- <br>Hazard Insurance. The loan was missing a current hazard insurance policy on the subject property which reflected sufficient coverage/replacement cost. reflected on the appraisal is XXXX. The loan file did not contain a Reconstruction cost estimator from the insurance company or evidence of insurance.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Title Commitment / Title Policy- <br>The title commitment/policy is incomplete/missing. The guidelines require evidence of Title Insurance with an amount sufficient to cover the loan amount. The loan file did not contain evidence of a Title Commitment / Report.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 556378268605 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 836556590496 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section XXX, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XX Subprime limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>(Open) Missing HOC Disclosure- <br>The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer.<br>(Clear) TRID CD ' Loan Terms/Principal & Interest payment- <br>The CD issued on XX/XX/XXXX does not reflect the correct Principal and Interest Payment. If curing with a PCCD, the following documents must be provided: LOE, PCCD, proof of delivery. Per regulation, revised disclosures must be provided no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID CD ' Projected Payments/ P&I- <br>The CD issued on XX/XX/XXXX does not reflect the correct Principal and Interest under the Projected Payments. If curing with a PCCD, the following documents must be provided: LOE, PCCD, proof of delivery. Per regulation, revised disclosures must be provided no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 702224976737 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX Subprime limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) Gift Letter / Funds- <br>A required gift letter was missing from the file and/or the donor funds were not verified. The guidelines require the Borrower to provide fully executed donor gift letter in addition to the donor's cancelled personal check. The borrower received gift funds from XXXX in the amount of XXXX evidenced by the donor's cancelled personal check. However, the loan file did not contain a fully executed donor gift letter for the XXXX gift funds.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX check is from joint account owned by Borrower and Borrower's father. Access letter provided. (Resolved)<br>**  | **(Clear) Appraisal - Secondary Valuation Product Not Provided- <br>Appraisal - Secondary Valuation Product Not Provided. The loan file does not contain evidence that a secondary valuation product was ordered or performed.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B A |
| XXXX | 523556839777 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 494390319406 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. Further, the loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 269638264118 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) TRID - Revised CD - No Waiting Period- <br>This loan failed the revised Closing Disclosure delivery date test (no waiting period required). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to consummation. Per regulation, it is the creditor's responsibility to provide disclosures prior to consummation. If disclosure was delivered electronically please provide evidence of receipt, as well as the consumer's E-consent.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Open) State Testing- <br>This loan failed the XXXX subprime home loan test. (XXXX SB XXXX Section XX, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX Subprime limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) Reserve Assets- <br>Reserve Assets. Sufficient reserves to meet guideline requirements were not verified in the file. The borrower was required to evidence 6 months in PITIA reserves equal to XXXX (XXXX PITIA X 6 months) this is in addition to the requirement of XXXX in funds to close, prepaid items and earnest money deposit. Therefore, the borrower was required to evidence a total of XXXX in funds for the subject transaction. ?The loan file only contained evidence of XXXX in qualifying assets. As a result, there is a XXXX shortage in verified reserves and a shortage of XXXX in verified assets.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Source and/or clearance of the XXXX EMD prior to the most recent Chase statement or from a different account was not provided. The shortage remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 131515407355 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 145215042761 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) Program Parameters- <br>The subject loan does not meet Program Parameters for LTV. The guidelines indicate that an AVM is required on every loan and further indicates that the value of the AVM must support the original appraised value within 10% or the AVM value must be used to determine the qualifying LTV, unless the loan file contains a full secondary appraisal or CDA to support the original appraised value. The loan file did not contain a full secondary appraisal or a CDA. The appraised value is XXXX. The AVM value is XXXX, which is a variance of XXXX%. Therefore, the AVM value was required to be used to determine the qualifying LTV. As a result, the audit LTV is XXXX%, which exceeds the maximum allowed LTV of 80% per guidelines.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value not supported within 10% of original appraisal amount- <br>The value was not supported within 10% of the appraised value as of the effective date. The appraised value is XXXX. The AVM value is XXXX, which is a variance of XXXX%.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | 3 | 2 | 3 | 1 | 2 | 2 | 3 | 1 C B A |
| XXXX | 380557027849 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 488770046338 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value not supported within 10% of original appraisal amount- <br>The value was not supported within 10% of the appraised value as of the effective date. The loan file contains an AVM dated XX/XX/XXXX with an estimated value of XXXX. The appraised value if the property is XXXX which is XXXX more then the AVM value, which equals a percentage difference of XXXX%.<br>Response 1 (02/01/2022 8:51AM)<br> CDA supports appraised value. (Resolved)<br>**  | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 530509231979 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated 07/21/2021, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 194049348262 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>State Testing. This loan failed the XXXX home loan test. (XXXX Section 5, 1(c). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 636160122738 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 665192683734 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) State Testing- <br>This loan failed the NYsubprime home loan test. (XXXX Section 5, 1(c)) Using the greater of thedisclosed APR and the fully indexed rate, the loan is a subprime home loan, asdefined in the legislation. The loan is compliant with XXXX limitationsand prohibited practices.<br>(Clear) TRID - Zero Tolerance Violation Not Cured- <br>This loan failed the charges that cannot increase test. The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).). A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fee was not accepted: Transfer Taxes. This results in a cost to cure of: XXXX. If curing defect with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, correction must be made no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 653324098617 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 734649379066 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>State Testing. This loan failed the XXXX home loan test. (XXXX Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 756038674169 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 309092191178 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 438198846064 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 329667209662 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 815007861310 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID - SPL - Missing- <br>The file is missing a written list of Service Providers.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 919263581916 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. Further, the loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 827516267578 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 532744565480 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) TRID - Zero Tolerance Violation Not Cured- <br>This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Transfer Taxes. This results in a cost to cure of XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv)<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the XXXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary. Mitigating Factor- Seller is Exempt. Loan is compliant.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 346473560242 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 330812242594 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 928822394605 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 915062541842 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID - SPL - Missing- <br>The file is missing a written list of Service Providers.<br>**  | **(Clear) Program Parameters- <br>The subject loan does not meet Program Parameters for LTV. Loan closed with LTV of XXXX%. Max LTV per program guidelines is 65%.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Flood Cert- <br>The flood certificate is missing.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. The AVM confidence score was between XXX% and XXXX%, a reduction in the AVM value was taken into account. The reduced AVM value still supports the origination value within 10%.<br>**  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 868250758355 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 685764934349 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 168395759472 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Secondary Valuation Product Not Provided- <br>The loan file does not contain evidence that a secondary valuation product was ordered or performed.<br>Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>**  | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 987411733047 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID CD ' Closing Information/File number Info- <br>The CD issued on XX/XX/XXXX does not reflect the correct File number. Non-material defect.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 822245126888 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID CD- Section B incorrect payee- <br>The loan contains a fee where 'compensation to' was not designated: Appraisal Final Inspection.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 936890549131 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the NYsubprime home loan test. (XXXX Section 5, 1(c)) Using the greater of thedisclosed APR and the fully indexed rate, the loan is a subprime home loan, asdefined in the legislation. The loan is compliant with XXXX limitationsand prohibited practices.<br>**  | **(Clear) Assets - Recent Large Deposits- <br>Recent large deposits were not adequately sourced and/or documented. The guidelines required One-month recent bank statement(s) (all pages) covering a period of at least 30-days evidencing balance of funds to close, closing costs, and reserves. Further, the guidelines require that for any large deposits other than those clearly indicating that they came from a depository institution titled to borrower, borrower must provide a letter of explanation and supporting documentation. Undocumented / Unsourced single and/or cumulative deposits up to XXXX within the transaction period may be used in the qualifying assets. Any undocumented / unsourced single and/or cumulative deposits over the XXXX limit within the transaction period will be deducted from the qualifying assets. The borrower was required to evidence 3 months in PITIA reserves equal to XXXX (XXXX PITIA X 3 months) this is in addition to the requirement of XXXX in funds to close, prepaid items and earnest money deposit. Therefore, the borrower was required to evidence a total of XXXX in funds for the subject transaction. The loan file contained a statement for the business account with XXXX account number ending XXXX, which reflected a balance of XXXX; however, there were several large deposits in the amounts of XXXX, XXXX, XXXX, XXXX and XXXX which totaled XXXX. The loan file contained no explanation or documentation for any of these large deposits; therefore, there was only evidence of XXXX in qualifying assets. As a result, there would be a XXXX shortage in verified funds for the transaction.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Debts Not verified on credit report- <br>The application lists significant debts that were not verified on the credit report and not independently verified. For additional Real Estate Owned (REO), the guidelines indicate that the information stated on the application will serve as verification of the income and expenses of the property(ies). No supporting documentation will be required. However, the guidelines also state that verification of properties owned free-and-clear is required. The loan application reflected a property located at XXXX, which was indicated as owned free and clear; however, no evidence of such was present in the loan file. Further, a comment that the property status was sold was also present; however, there was no evidence of such in the loan file. It should also be noted that the origination underwriter included the other property debts (insurance, taxes, etc.) of XXXX in the debt calculation.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 543609279081 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. The AVM confidence score was between 65% and 80%, a reduction in the AVM value was taken into account. The reduced AVM value still supports the origination value within 10%.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 213467284689 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) Inaccurate Mortgage- <br>The mortgage was not completed accurately. There is an individual on the Security Instrument who signed as an agent under a Power of Attorney but the Power of Attorney is missing.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 337517033122 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID - SPL - Missing- <br>The file is missing a written list of Service Providers.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 797410299976 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Income Docs- <br>The income/employment is not documented properly according to guides. Subject is a lite doc loan and guidelines require P&L to verify income. P&L missing from file.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 168572647828 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 399135048265 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 426997508542 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 946173759865 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 441651234060 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID - SPL - Missing- <br>The file is missing a written list of Service Providers.<br>**  | **(Clear) Hazard Insurance- <br>The loan is missing a current hazard insurance policy on the subject property verifying sufficient coverage/replacement cost.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 258369962821 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Inc Misc- <br>Verification of the CPA is required to be obtained per Lender's guidelines. However, the loan file does not contain verification of the borrower's CPA.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 743784441221 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) Reserve Assets- <br>Sufficient reserves to meet guideline requirements were not verified in the file. The borrower was required to evidence 3 months in PITIA reserves equal to XXXX (XXXX PITIA X 3 months) this is in addition to the requirement of XXXX in funds to close, prepaid items and earnest money deposit. Therefore, the borrower was required to evidence a total of XXXX in funds for the subject transaction. ?The loan file only contained evidence of XXXX in qualifying assets. As a result, there is a XXXX shortage in verified reserves.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 655217208239 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 261955486244 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>(Open) TRID CD- Section B incorrect payee- <br>TRID-CD/Payee Not Listed. The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD: Property Condition Inspection.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 703002196178 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) TRID - Zero Tolerance Violation Not Cured- <br>This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Transfer Taxes. A cost to cure in the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv)<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 350332347628 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Assets- <br>The CD dated XX/XX/XXXX states XXXX required to close. The file contains XXXX in verified assets plus the EMD of XXXX. The file is missing evidence of XXXX XXXX XXXX statement as stated on the final 1003. The file is XXXX short to close and missing the required 3 month cash reserves.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Inc Misc- <br>The file is missing the PTIN. Guidelines require satisfactory quality control check of business and CPA/Accountant/Tax Preparer validity to becompleted by the underwriter.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Secondary Valuation Product Not Provided- <br>The loan file does not contain evidence that a secondary valuation product was ordered or performed.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 145236064127 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Gift Letter / Funds- <br>A required gift letter was missing from the file and/or the donor funds were not verified. Gift funds were used as qualifying assets. The guidelines require the Borrower to provide a fully executed donor gift letter and the donor's cancelled personal check or Certified Check. In addition, a copy of the borrower's bank statement evidencing deposit of donor's gift. The borrower provided a Gift Letter from XXXX for XXXX. However, the loan file does not contain a copy of the donors cancelled personal check or the Borrower(s) bank statement evidencing receipt of the gift funds. Also, the EMD cancelled check provided reflects the XXXX check was paid to the title company by XXXX (XXXX). However, the loan file does not contain a Gift Letter for the XXXX funds given on the Borrower(s) behalf. The loan file does not contain a Gift Letter for XXXX from XXXX. The loan file does not contain a cancelled personal check from XXXX for XXXX.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 298882678759 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 717613653424 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) Inc Misc- <br>There are additional employment/income findings. The Lender's guidelines required a CPA letter for a self employed Borrower to verify the Borrower's ownership and confirming the percentage of ownership. The loan file contained a verbal verification that someone spoke to a CPA, and confirmed the borrower as "owner", but no CPA letter itself and the verification did not confirm the Borrower's percentage of ownership. Auditor research revealed documentation that the Borrower may not have been the sole owner of the business.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Income Docs- <br>The income is not documented properly according to guides. The Lender's guidelines required a 12 month profit and loss statement for self employed income. The loan file contained no profit and loss or other verification of the Borrower's self employed income.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Assets Misc- <br>A portion of the Borrower's verified assets were from a Business account. However, the loan file did not properly verify the Borrower's ownership of the business, therefore the business funds could not be confirmed as available for the Borrower's use for this transaction. If these funds can not be confirmed as available for use, the result would be a loss of XXXX in Business Account funds, and the Earnest Money Deposit which also came from this account in the amount of XXXX, resulting a potential total shortage of XXXX.<br>Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 972292200249 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 979996561194 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID - SPL - Missing- <br>The file is missing a written list of Service Providers.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 302604764699 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) Flood Insurance Required- <br>The loan was subject to Flood Insurance and the Closing Disclosure showed no evidence that Flood Insurance premiums were escrowed.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 387919599301 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 410923406093 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 600342524346 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 899601280223 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) Flood Cert- <br>The flood certificate is missing. According to the appraisal, the subject is not located in a flood zone; however, the actual flood certificate is missing from the loan file.<br>Response 1 (XX/XX/XXXX XXXXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 246252324737 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 728021600566 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 319883003574 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 131825199917 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID - SPL - Missing- <br>The file is missing a written list of Service Providers.<br>(Clear) TRID - 10% Tolerance Violation Not Cured- <br>This loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Title- Abstract Search, Title- Courier Fee, Title-Settlement Fee. This results in a cost to cure of: XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, refund and revised disclosures must be provided no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Secondary Valuation Product Not Provided- <br>The loan file does not contain evidence that a secondary valuation product was ordered or performed. The loan file was missing evidence that a secondary valuation product was ordered or performed.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | 3 | 2 | 1 | 1 | 3 | 2 | 3 | 1 C B A |
| XXXX | 532765609770 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 717403730200 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) Inaccurate Mortgage- <br>The Exhibit "A" attachment to the security instrument was not provided in the loan file. Unable to determine if the proper legal description was disclosed for the security instrument.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 728087739254 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID - SPL - Missing- <br>The file is missing a written list of Service Providers.<br>(Open) State Testing- <br>This loan failed the XXXX subprime home loan test. (XXXX Section 5, 1(c)) Using the greater of thedisclosed APR and the fully indexed rate, the loan is a subprime home loan, asdefined in the legislation. The loan is compliant with XXXX limitationsand prohibited practices.<br>(Clear) TRID - 10% Tolerance Violation Not Cured- <br>This loan failed the charges that in total cannot increase more than 10% test. A Change of Circumstance was not provided in the loan file. Unable to determine if the revised Loan Estimate/CD issued on XX/XX/XXXX was disclosed within 3 business days of the change. Therefore, the increase/addition to the following fees was not accepted: Title- Abstract Search, Title- Bankruptcy Search, Title- Patriot Search, and Title Service Fee. This results in a cost to cure of: XXXX If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, refund and revised disclosures must be provided no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) VVOE required- <br>The guidelines require CPA/Accountant/Tax Preparer's letter stating: borrower's position/title, ownership percentage, and business inception date. Letter must be dated and signed on firm's letterhead, and must include signer's contact information. The loan file was missing a CPA/Accountant/Tax Preparer's letter to verify the borrower's employment.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing the CPA Letter on CPA Letterhead with all required details. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 636215493373 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 460898111169 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 718458802412 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 213723750644 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) TRID - SPL - Missing- <br>The file is missing a written list of Service Providers.<br>(Clear) TRID - 10% Tolerance Violation Not Cured- <br>This loan failed the charges that in total cannot increase more than 10% test. The SPL was missing therefore title fees were tested at 10%. This results in a cost to cure of: XXXX. If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, refund and revised disclosures must be provided no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 873451851787 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Secondary Valuation Product Not Provided- <br>The loan file does not contain evidence that a secondary valuation product was ordered or performed. The guidelines indicate that a Automated Valuation Model (AVM) on all loans. The loan file does not contain an AVM to support the current appraised value.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 100197044000 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Secondary Valuation Product Not Provided- <br>The loan file does not contain evidence that a secondary valuation product was ordered or performed.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA supports appraised value. (Resolved)<br>**  | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 916806286001 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 693578773058 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) State Testing- <br>This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Seller is exempt. The loan is compliant. (Resolved)<br>(Open) TRID CD- Section B incorrect payee- <br>The loan contains the fee or fees where 'compensation to' does not reflect a payee on the revised CD issued on XX/XX/XXXX: Appraisal Fee.<br>**  | **(Clear) Credit Date- <br>The credit report was too old at the time of closing based on guides. The guide states credit report expires after 90 days. The credit report on file is dated XX/XX/XXXX, the note date is XX/XX/XXXX. The credit report exceeds the stated 90 day limit.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. CDA in file supports value.<br>**  | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 974687703406 | XXXX | XX/XX/XXXX | XXXX | Non-QM | ATR Compliant | **(Open) Late HOC Disclosure- <br>The Homeownership Counseling Disclosure provided on XX/XX/XXXX was not provided within 3 business days of the application date, XX/XX/XXXX. Non-material defect.<br>(Open) TRID - SPL - Late- <br>A written list of Service Providers was not disclosed within 3 business days of the application date or 7 business days before the Consummation Date. Non-material defect.<br>(Clear) TRID - Initial LE Delivery Date (from application)- <br>This loan failed the initial loan estimate delivery date test (from application). The Initial LE provided in the loan file and dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID - Zero Tolerance Violation Not Cured- <br>This loan failed the charges that cannot increase test. The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i). Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. This results in a cost to cure of: XXXX. If curing defect with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, correction must be made no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID - 10% Tolerance Violation Not Cured- <br>This loan failed the charges that in total cannot increase more than 10% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. This results in a cost to cure of: XXXXf curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, refund and revised disclosures must be provided no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) TRID- Lender Credits that Cannot Decrease- <br>The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of XXXX is required. If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, correction must be done no later than 60 days after consummation.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value.<br>**  | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A |
| XXXX | 229121341612 | XXXX | XX/XX/XXXX | XXXX | Non-QM | ATR Compliant | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations<br>**  | **(Clear) VVOE required- <br>The guidelines require a CPA or certified tax preparer letter for full documentation self-employment income. The loan file did not contain any evidence of a CPA or certified tax preparer letter, business license or any other acceptable documentation to evidence the borrower's employment.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception granted by Originator and accepted by Investor. (Resolved)<br>(Open) VOR Required- <br>Verification of 12 months rental payments is required. The guidelines for FTHB indicate that 12 months minimum verification of rent is required to be documented via canceled checks or evidence of the payments via bank statements. The loan file contained an institutional VOR which indicated that the borrower had rented since XX/XX/XXXX at XXXX per month; however, the rent payments were not supported by 12 months canceled checks or bank statement withdrawals as required. It should be noted that the Lender granted an exception for this particular issue. Compensating factors utilized to downgrade to level EV2.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 158176097522 | XXXX | XX/XX/XXXX | XXXX | Non-QM | ATR Compliant | **(Open) TRID CD ' Transaction Information/Seller Info- <br>The CD issued on XX/XX/XXXX does not reflect the correct/complete seller information. Seller's Address is missing. Non-material defect.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |

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| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Compensating Factors** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** | **Exception Date** |
| XXXX | 974687703406 | 1 of 8 | XXXX | XX/XX/XXXX | Compliance | Late HOC Disclosure | XXXX | The Homeownership Counseling Disclosure provided on XX/XX/XXXX was not provided within 3 business days of the application date, XX/XX/XXXX. Non-material defect. |  |  |  |  |  | 2 | 2 | 3 | 2 | 9/17/2021 |
| XXXX | 974687703406 | 2 of 8 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation Not Cured | XXXX | This loan failed the charges that in total cannot increase more than 10% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. This results in a cost to cure of: XXXX. If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, refund and revised disclosures must be provided no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Disagree – Cure not required for Borrower shopped Title; fees were updated to reflect and no increase in other 10% tolerance fee(s) found, uploaded Final CD<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 9/17/2021 |
| XXXX | 974687703406 | 3 of 8 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial LE Delivery Date (from application) | XXXX | This loan failed the initial loan estimate delivery date test (from application). The Initial LE provided in the loan file and dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Disagree - Application submitted on XX/XX/XXXX and Initial Disclosure Package was issued/signed on XX/XX/XXXX, uploaded Disclosure Center verified RESPA Six Information, signed Initial LE, and DM<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 9/17/2021 |
| XXXX | 974687703406 | 4 of 8 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Late | XXXX | A written list of Service Providers was not disclosed within 3 business days of the application date or 7 business days before the Consummation Date. Non-material defect. |  |  |  |  |  | 2 | 2 | 3 | 2 | 9/17/2021 |
| XXXX | 974687703406 | 5 of 8 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation Not Cured | XXXX | This loan failed the charges that cannot increase test. The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i). Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. This results in a cost to cure of: XXXX. If curing defect with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, correction must be made no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Disagree - Application submitted on XX/XX/XXXX and Initial Disclosure Package was issued/signed on XX/XX/XXXX, uploaded Disclosure Center verified RESPA Six Information, signed Initial LE, and DM. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 9/17/2021 |
| XXXX | 974687703406 | 6 of 8 | XXXX | XX/XX/XXXX | Compliance | TRID- Lender Credits that Cannot Decrease | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of XXXX is required. If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, correction must be done no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Disagree – XX/XX/XXXX COC LE was issued for rate locked at XXXX% with XXXX% discount points charged borrower; lender credit was removed to reflect, uploaded COC LE and Rate Lock <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 9/17/2021 |
| XXXX | 974687703406 | 7 of 8 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines |  |  |  |  |  | 1 | 1 | 3 | 2 | 9/17/2021 |
| XXXX | 974687703406 | 8 of 8 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 9/17/2021 |
| XXXX | 229121341612 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 2 | 10/25/2021 |
| XXXX | 229121341612 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | VOR Required | XXXX | Verification of 12 months rental payments is required. The guidelines for FTHB indicate that 12 months minimum verification of rent is required to be documented via canceled checks or evidence of the payments via bank statements. The loan file contained an institutional VOR which indicated that the borrower had rented since XX/XX/XXXX at XXXX per month; however, the rent payments were not supported by 12 months canceled checks or bank statement withdrawals as required. It should be noted that the Lender granted an exception for this particular issue. Compensating factors utilized to downgrade to level EV2. | Credit score of XXXX exceeds the minimum required by guidelines of 660. <br> LTV of XXXX% is below maximum of 85%. <br> DTI of XXXX% is below maximum of 50%. <br> Verified post-closing reserves of XXXX or XXX months. Minimum required per guidelines is 3 months. <br> Borrower has XXX years in the same profession, owning the same business. |  |  |  |  | 2 | 2 | 3 | 2 | 10/25/2021 |
| XXXX | 229121341612 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | VVOE required | XXXX | The guidelines require a CPA or certified tax preparer letter for full documentation self-employment income. The loan file did not contain any evidence of a CPA or certified tax preparer letter, business license or any other acceptable documentation to evidence the borrower's employment. | XXXX Score. XXX% LTV. XXX years same job. | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Agree - exception uploaded <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception granted by Originator and accepted by Investor. (Resolved)<br>**  |  | 3 | 2 | 3 | 2 | 10/25/2021 |
| XXXX | 229121341612 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 10/25/2021 |
| XXXX | 158176097522 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID CD ' Transaction Information/Seller Info | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct/complete seller information. Seller's Address is missing. Non-material defect. |  |  |  |  |  | 2 | 2 | 2 | 2 | 10/18/2021 |
| XXXX | 158176097522 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 10/18/2021 |
| XXXX | 158176097522 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 10/18/2021 |
| XXXX | 606186417537 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/30/2021 |
| XXXX | 606186417537 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/30/2021 |
| XXXX | 606186417537 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/30/2021 |
| XXXX | 463097292286 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests.This loan failed the threshold loan points and fees test. (Municipal Code of XXXX § 2-32-455) and (XXXX, XXXX Ord. XXXX) The total points and fees of the mortgage exceed 5% of the total loan amount in the case that the loan amount is XXXX or greater, or XXXX in the case that the loan amount is less than XXXX. Fees that were included in the test: Administration Fee: XXXX, Closing Protection Letter: XXXX,Flood Certification: XXXX, Mortgage Broker: XXXX, Points - Loan Discount: XXXX, Processing: XXXX, Recording Service: XXXX, Settlement or Closing Fee: XXXX, Tax Service Fee: XXXX, Title Courier: XXXX and Underwriting: XXXX. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Adding up the total of the fees you have listed is XXXX. 5% of the total federal loan amount (XXXX) would give us a threshold of XXXX - leaving a difference of XXXX. Would a check of XXXX, LOE, PCCD, & proof of delivery clear this?<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached for the PCCD, LOE, & proof of refund/delivery.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> A cost to cure in the amount of XXXX is required.. A LOE, PCCD, copy of the refund check & proof of delivery will clear the finding. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 2 | 3 | 2 | 11/29/2021 |
| XXXX | 463097292286 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Program Parameters | XXXX | The subject loan does not meet Program Parameters for CPA PTIN. Guidelines require a PTIN number for the CPA; however, there is no documentation in the loan file for PTIN, as required. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please find the uploaded CPA verify report in lieu of PTIN, confirmed with UW<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 11/29/2021 |
| XXXX | 463097292286 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Program Parameters | XXXX | The subject loan does not meet Program Parameters for Eligible Properties. The file is missing documentation that the subject condo is Warrantable. There is no condominium documentation in the file. If non warrantable, the LTV of XXX% would exceed the 65% maximum. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The final 1008 signed off by UW indicates that it's warrantable condo. And condo questionnaire and master insurance can be supporting documentation.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Condo questionnaire indicates the subject condo is warrantable. Condo master insurance can be supporting documentation. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> 1008 in file does not indicate that condo is warrantable. Condo Questionnaire and Master Policy are missing. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 11/29/2021 |
| XXXX | 463097292286 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 11/29/2021 |
| XXXX | 241227922548 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 | 11/24/2021 |
| XXXX | 241227922548 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Hazard Insurance | XXXX | The loan was missing current hazard insurance policy on the subject property which sufficient coverage/replacement cost. The loan file only contained a paid receipt, which did not reflect any coverage amount. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 11/24/2021 |
| XXXX | 241227922548 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 11/24/2021 |
| XXXX | 339106011681 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the XXXX home loan test. (XXXX Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the XXXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. The loan has an APR of XXXX%. The APR threshold is 4.630%. The loan is compliant with XXXX limitations and prohibited practices. |  |  |  |  |  | 2 | 2 | 2 | 2 | 11/24/2021 |
| XXXX | 339106011681 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID CD ' Incorrect Section | XXXX | The Title - Settlement Fee was included in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Non-material defect. |  |  |  |  |  | 2 | 2 | 2 | 2 | 11/24/2021 |
| XXXX | 339106011681 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 11/24/2021 |
| XXXX | 339106011681 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 11/24/2021 |
| XXXX | 170158291605 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 11/24/2021 |
| XXXX | 170158291605 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 11/24/2021 |
| XXXX | 170158291605 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value not supported within 10% of original appraisal amount | XXXX | The value was not supported within 10% of the appraised value as of the effective date. The loan file did not contain an AVM or 2nd appraisal as required to verify the appraised value. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 11/24/2021 |
| XXXX | 581973721861 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan has an APR of XXXX%. The APR threshold is 4.72%. The loan is compliant with XXXX limitations and prohibited practices. |  |  |  |  |  | 2 | 2 | 3 | 2 | 11/22/2021 |
| XXXX | 581973721861 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 | 11/22/2021 |
| XXXX | 581973721861 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Secondary Valuation Product Not Provided | XXXX | The loan file does not contain evidence that a secondary valuation product was ordered or performed. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> AVM attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 11/22/2021 |
| XXXX | 812002138865 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/22/2021 |
| XXXX | 812002138865 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/22/2021 |
| XXXX | 812002138865 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/22/2021 |
| XXXX | 547891936770 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/22/2021 |
| XXXX | 547891936770 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/22/2021 |
| XXXX | 547891936770 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/22/2021 |
| XXXX | 653447551270 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the XXXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. The loan has an APR of XXXX%. The APR threshold is 4.72%. The loan is compliant with XXXX limitations and prohibited practices. |  |  |  |  |  | 2 | 2 | 3 | 2 | 11/19/2021 |
| XXXX | 653447551270 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Hazard Insurance | XXXX | Hazard Insurance. The loan was missing current hazard insurance policy on the subject property which reflected sufficient coverage/replacement cost. The subject loan amount is XXXX. The HOI in the loan file does not evidence the dwelling coverage amount. The loan file did not contain evidence of sufficient HOI coverage. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> HOI attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 11/19/2021 |
| XXXX | 653447551270 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 11/19/2021 |
| XXXX | 578353987228 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/19/2021 |
| XXXX | 578353987228 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/19/2021 |
| XXXX | 578353987228 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/19/2021 |
| XXXX | 659070245441 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/17/2021 |
| XXXX | 659070245441 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/17/2021 |
| XXXX | 659070245441 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/17/2021 |
| XXXX | 462853546020 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | State Testing. This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/9/2021 |
| XXXX | 462853546020 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/9/2021 |
| XXXX | 462853546020 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/9/2021 |
| XXXX | 271903015196 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/9/2021 |
| XXXX | 271903015196 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Hazard Insurance | XXXX | The loan was missing current hazard insurance policy on the subject property which reflected sufficient coverage/replacement cost. The guidelines require a homeowner insurance policy to be obtained with replacement cost coverage. The subject loan amount is XXXX. The appraisal reflects a replacement cost new estimate of XXXX; however, the evidence of hazard insurance in the loan file only reflects total coverage of XXXX, which is insufficient to cover the replacement cost. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please see uploaded RCE and insurance requirement: for this loan, the lesser of RCE and total cost new on the appraisal is RCE at XXXX. so even our loan amount is much higher, as long as our dwelling coverage (XXXX) is equal or greater than our RCE (XXXX), which is sufficient per our CDL insurance updated guideline uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/9/2021 |
| XXXX | 271903015196 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/9/2021 |
| XXXX | 408199716096 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/9/2021 |
| XXXX | 408199716096 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Resident Alien | XXXX | The borrower indicates XXXX status; however, the file contains no evidence documenting status as legally authorized. The loan file did not contain evidence of a valid employment authorization or XXXX as required by guidelines. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Work authorization attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Guideline overlays explanation attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Application is not sufficient. Most recent Employment Authorization card expired XXXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/9/2021 |
| XXXX | 408199716096 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/9/2021 |
| XXXX | 579183148578 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/3/2021 |
| XXXX | 579183148578 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/3/2021 |
| XXXX | 579183148578 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/3/2021 |
| XXXX | 198410697554 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/3/2021 |
| XXXX | 198410697554 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/3/2021 |
| XXXX | 198410697554 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/3/2021 |
| XXXX | 426335731036 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/3/2021 |
| XXXX | 426335731036 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | TRID CD ' Transaction Information/Seller Info | XXXX | The CD issued on XX/XX/XXXX does not reflect the seller information. Non-material defect. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/3/2021 |
| XXXX | 426335731036 | 3 of 5 | XXXX | XX/XX/XXXX | Credit | Contract | XXXX | The file contained no evidence of a properly executed sales contract.(contract is missing) |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Fully Executed Contract<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/3/2021 |
| XXXX | 426335731036 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | Flood Cert | XXXX | The flood certificate is missing. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood Certificate<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/3/2021 |
| XXXX | 426335731036 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/3/2021 |
| XXXX | 318899459381 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/9/2021 |
| XXXX | 318899459381 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/9/2021 |
| XXXX | 318899459381 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM, dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/9/2021 |
| XXXX | 598231336025 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation Not Cured | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Transfer Tax. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of XXXX is required. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv) |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The deed was originally under both XXXX and XXXX but it was then decided that XXXX was paid to be deed off. This was decided after the initial disclosures were already issued. This resulted in a deed transfer hence the transfer tax increase.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The deed was originally under both XXXX and XXXX but it was then decided that XXXX was paid to be deed off. This was decided after the initial disclosures were already issued. This resulted in a deed transfer hence the transfer tax increase<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/3/2021 |
| XXXX | 598231336025 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Credit Date | XXXX | The credit report was too old at the time of closing based on guides. The guidelines indicate credit reports expire after 90 days. The loan file contains a credit report dated XX/XX/XXXX. The loan closed XX/XX/XXXX which is 100 days after the credit report was pulled. The credit report in the file is > 90 days old. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Credit Report attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/3/2021 |
| XXXX | 598231336025 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/3/2021 |
| XXXX | 433995379812 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/6/2021 |
| XXXX | 433995379812 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/6/2021 |
| XXXX | 433995379812 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/6/2021 |
| XXXX | 974880116519 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/8/2021 |
| XXXX | 974880116519 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/8/2021 |
| XXXX | 974880116519 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/8/2021 |
| XXXX | 312015840552 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 11/30/2021 |
| XXXX | 312015840552 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters | XXXX | The subject loan does not meet Program Parameters for LTV on the subject property. According to program guidelines, for a cash-out refinance of a primary property the maximum LTV allowed is a XXXX%. The subject loan closed with a LTV of XXXX% |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Guidelines permit borrowers with over XXX credit score to have XXX% LTV.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> our subject loan's (borrower's) Fico is XXX and it meets the Max LTV XXX%<br>Rebuttal 3 (XX/XX/XXXX XX:XXPM)<br> According to CDL guideline, for the cash-out refinance of the primary property with loan amount XXXX falls to the category of max 70% LTV and min 700 credit score, so borrower's Fico XXX meet the max LTV 70%.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Subject is cash-out, which allows a maximum LTV of 65%. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Please provide matrix. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 11/30/2021 |
| XXXX | 312015840552 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Secondary Valuation Product Not Provided | XXXX | The loan file does not contain evidence that a secondary valuation product was ordered or performed. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> see the uploaded CDA report supports the value<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> AVM does not support appraised value within 10%. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Respolved)<br>**  |  | 3 | 1 | 3 | 1 | 11/30/2021 |
| XXXX | 983275990138 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Finance Charge Fail | XXXX | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100.. The following fees were included in testing: Administration Fee, Mortgage Broker Fee, Processing Fee, Tax Service fee, Underwriting Fee, Flood Certification, Attorney's Fee, CPL, Electronic Recording Service Fee, and Prepaid Interest. . The loan fails by XXXX. If curing with a reimbursement, please provide the following documents: LOE, copy of refund, proof of delivery. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached for the PCCD, LOE, Proof of Delivery, and Proof of Refund. <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Please see attached for PCCD, LOE, Proof of Delivery and Proof of Refund. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 2 | 3 | 2 | 12/3/2021 |
| XXXX | 983275990138 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Application | XXXX | The final application is either inaccurate, missing or not signed as required by guides. The loan file contains an initial application dated XX/XX/XXXX. However, the loan file does not contain a final application executed by the borrower at closing. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> 1003 attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/3/2021 |
| XXXX | 983275990138 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/3/2021 |
| XXXX | 301556254156 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/9/2021 |
| XXXX | 301556254156 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/9/2021 |
| XXXX | 301556254156 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/9/2021 |
| XXXX | 188622073695 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/30/2021 |
| XXXX | 188622073695 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/30/2021 |
| XXXX | 188622073695 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 11/30/2021 |
| XXXX | 708175270430 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 11/30/2021 |
| XXXX | 708175270430 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Hazard Insurance | XXXX | Hazard Insurance. The loan was missing a current hazard insurance policy on the subject property which reflected sufficient coverage/replacement cost. reflected on the appraisal is XXXX. The loan file did not contain a Reconstruction cost estimator from the insurance company or evidence of insurance. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HOI + RCE attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 11/30/2021 |
| XXXX | 708175270430 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Title Commitment / Title Policy | XXXX | The title commitment/policy is incomplete/missing. The guidelines require evidence of Title Insurance with an amount sufficient to cover the loan amount. The loan file did not contain evidence of a Title Commitment / Report. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> ALTA attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 11/30/2021 |
| XXXX | 708175270430 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 11/30/2021 |
| XXXX | 836556590496 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Missing HOC Disclosure | XXXX | The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/15/2021 |
| XXXX | 836556590496 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/15/2021 |
| XXXX | 836556590496 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID CD ' Loan Terms/Principal & Interest payment | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Principal and Interest Payment. If curing with a PCCD, the following documents must be provided: LOE, PCCD, proof of delivery. Per regulation, revised disclosures must be provided no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE, PCCD, and proof provided<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 836556590496 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID CD ' Projected Payments/ P&I | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Principal and Interest under the Projected Payments. If curing with a PCCD, the following documents must be provided: LOE, PCCD, proof of delivery. Per regulation, revised disclosures must be provided no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> LOE, PCCD, and proof of delivery attached. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 836556590496 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 836556590496 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 556378268605 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 556378268605 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 556378268605 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 702224976737 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/15/2021 |
| XXXX | 702224976737 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Gift Letter / Funds | XXXX | A required gift letter was missing from the file and/or the donor funds were not verified. The guidelines require the Borrower to provide fully executed donor gift letter in addition to the donor's cancelled personal check. The borrower received gift funds from XXXX in the amount of XXXX evidenced by the donor's cancelled personal check. However, the loan file did not contain a fully executed donor gift letter for the XXXX gift funds. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX deposited fund was transferred from borrower's XXXX account XXXX which hold jointly with borrower's mother, XXXX. Attached is a letter stating borrower, XXXX, has full access to the account XXXX XXXX. And the check image show borrower's name on it as the bank account holder. So no gift letter required for the funds that were transferred from borrower's own account. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> XXXX check is from joint account owned by Borrower and Borrower's father. Access letter provided. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 702224976737 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Secondary Valuation Product Not Provided | XXXX | Appraisal - Secondary Valuation Product Not Provided. The loan file does not contain evidence that a secondary valuation product was ordered or performed. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached for the AVM Report. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 523556839777 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 523556839777 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 523556839777 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 494390319406 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 494390319406 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 494390319406 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. Further, the loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 269638264118 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/15/2021 |
| XXXX | 269638264118 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - Revised CD - No Waiting Period | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to consummation. Per regulation, it is the creditor's responsibility to provide disclosures prior to consummation. If disclosure was delivered electronically please provide evidence of receipt, as well as the consumer's E-consent. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached for the final CD. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 269638264118 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Reserve Assets | XXXX | Reserve Assets. Sufficient reserves to meet guideline requirements were not verified in the file. The borrower was required to evidence 6 months in PITIA reserves equal to XXXX (XXXX PITIA X 6 months) this is in addition to the requirement of XXXX in funds to close, prepaid items and earnest money deposit. Therefore, the borrower was required to evidence a total of XXXX in funds for the subject transaction. ?The loan file only contained evidence of XXXX in qualifying assets. As a result, there is a XXXX shortage in verified reserves and a shortage of XXXX in verified assets. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> XXXX\*6 month=XXXX + XXXX Cash to Close = XXXX. Assets verified in XXXX XXXX XXXX. Assets are sufficient. <br>Rebuttal 2 (XX/XX/XXXX XX:XXAM)<br> see EMD cancelled check, it was withdrew in XXXX from our verified account-XXXX XXXX<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Source and/or clearance of the XXXX EMD prior to the most recent XXXX statement or from a different account was not provided. The shortage remains. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 269638264118 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 131515407355 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 131515407355 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 131515407355 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 145215042761 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/15/2021 |
| XXXX | 145215042761 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters | XXXX | The subject loan does not meet Program Parameters for LTV. The guidelines indicate that an AVM is required on every loan and further indicates that the value of the AVM must support the original appraised value within 10% or the AVM value must be used to determine the qualifying LTV, unless the loan file contains a full secondary appraisal or CDA to support the original appraised value. The loan file did not contain a full secondary appraisal or a CDA. The appraised value is XXXX. The AVM value is XXXX, which is a variance of XXXX%. Therefore, the AVM value was required to be used to determine the qualifying LTV. As a result, the audit LTV is XXXX%, which exceeds the maximum allowed LTV of 80% per guidelines. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> please find the CDA report<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 145215042761 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value not supported within 10% of original appraisal amount | XXXX | The value was not supported within 10% of the appraised value as of the effective date. The appraised value is XXXX. The AVM value is XXXX, which is a variance of XXXX%. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA value was used. Report and Invoice attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/15/2021 |
| XXXX | 380557027849 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/13/2021 |
| XXXX | 380557027849 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/13/2021 |
| XXXX | 380557027849 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/13/2021 |
| XXXX | 488770046338 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/13/2021 |
| XXXX | 488770046338 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/13/2021 |
| XXXX | 488770046338 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value not supported within 10% of original appraisal amount | XXXX | The value was not supported within 10% of the appraised value as of the effective date. The loan file contains an AVM dated XX/XX/XXXX with an estimated value of XXXX. The appraised value if the property is XXXX which is XXXX more then the AVM value, which equals a percentage difference of XXXX%. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA supports appraised value. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/13/2021 |
| XXXX | 530509231979 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/13/2021 |
| XXXX | 530509231979 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/13/2021 |
| XXXX | 530509231979 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/13/2021 |
| XXXX | 194049348262 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | State Testing. This loan failed the XXXX home loan test. (XXXX Section 5, 1(c). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/15/2021 |
| XXXX | 194049348262 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/15/2021 |
| XXXX | 194049348262 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/15/2021 |
| XXXX | 636160122738 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 636160122738 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 636160122738 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 665192683734 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the NYsubprime home loan test. (XXXX Section 5, 1(c)) Using the greater of thedisclosed APR and the fully indexed rate, the loan is a subprime home loan, asdefined in the legislation. The loan is compliant with XXXX limitationsand prohibited practices. |  | Resolved |  |  |  | 2 | 2 | 3 | 2 | 12/13/2021 |
| XXXX | 665192683734 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation Not Cured | XXXX | This loan failed the charges that cannot increase test. The loan contains charges that exceed the good faith determination according to 1026.19(e)(3)(i).). A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fee was not accepted: Transfer Taxes. This results in a cost to cure of: XXXX. If curing defect with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, correction must be made no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The transfer tax increase was due to an addendum signed at closing where the buyer agreed to pay for it. Please see attached for the signed addendum as well as the associated COC CD with the borrower's acknowledgement. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/13/2021 |
| XXXX | 665192683734 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/13/2021 |
| XXXX | 665192683734 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/13/2021 |
| XXXX | 653324098617 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/13/2021 |
| XXXX | 653324098617 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/13/2021 |
| XXXX | 653324098617 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/13/2021 |
| XXXX | 734649379066 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | State Testing. This loan failed the XXXX home loan test. (XXXX Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/15/2021 |
| XXXX | 734649379066 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/15/2021 |
| XXXX | 734649379066 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/15/2021 |
| XXXX | 756038674169 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/13/2021 |
| XXXX | 756038674169 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/13/2021 |
| XXXX | 756038674169 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/13/2021 |
| XXXX | 309092191178 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/13/2021 |
| XXXX | 309092191178 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX |  |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/13/2021 |
| XXXX | 309092191178 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/13/2021 |
| XXXX | 438198846064 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 438198846064 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 438198846064 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/15/2021 |
| XXXX | 329667209662 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/13/2021 |
| XXXX | 329667209662 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/13/2021 |
| XXXX | 329667209662 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/13/2021 |
| XXXX | 319883003574 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 319883003574 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 319883003574 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 298882678759 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/31/2021 |
| XXXX | 298882678759 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/31/2021 |
| XXXX | 298882678759 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/31/2021 |
| XXXX | 399135048265 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 399135048265 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 399135048265 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 915062541842 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Missing | XXXX | The file is missing a written list of Service Providers. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/31/2021 |
| XXXX | 915062541842 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Flood Cert | XXXX | The flood certificate is missing. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Flood certificate<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/31/2021 |
| XXXX | 915062541842 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Program Parameters | XXXX | The subject loan does not meet Program Parameters for LTV. Loan closed with LTV of XXXX%. Max LTV per program guidelines is 65%. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Per attached CDL guidelines, Cash-Out Refinance of primary property with XXXX loan amount falls to the category of max 70% LTV and min 700 credit score. And borrower has XXXX credit score, so 70% LTV is meet our requirement. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/31/2021 |
| XXXX | 915062541842 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. The AVM confidence score was between 65% and 80%, a reduction in the AVM value was taken into account. The reduced AVM value still supports the origination value within 10%. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/31/2021 |
| XXXX | 728021600566 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/31/2021 |
| XXXX | 728021600566 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/31/2021 |
| XXXX | 728021600566 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/31/2021 |
| XXXX | 426997508542 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 426997508542 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 426997508542 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/31/2021 |
| XXXX | 717403730200 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Inaccurate Mortgage | XXXX | The Exhibit "A" attachment to the security instrument was not provided in the loan file. Unable to determine if the proper legal description was disclosed for the security instrument. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached for the full security instrument. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 717403730200 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 717403730200 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 213723750644 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation Not Cured | XXXX | This loan failed the charges that in total cannot increase more than 10% test. The SPL was missing therefore title fees were tested at 10%. This results in a cost to cure of: XXXX. If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, refund and revised disclosures must be provided no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached for SSPL that was not provided. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 213723750644 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Missing | XXXX | The file is missing a written list of Service Providers. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/29/2021 |
| XXXX | 213723750644 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 213723750644 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 131825199917 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation Not Cured | XXXX | This loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Title- Abstract Search, Title- Courier Fee, Title-Settlement Fee. This results in a cost to cure of: XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, refund and revised disclosures must be provided no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached for the SSPL that was not provided. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 131825199917 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Missing | XXXX | The file is missing a written list of Service Providers. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/29/2021 |
| XXXX | 131825199917 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 131825199917 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Secondary Valuation Product Not Provided | XXXX | The loan file does not contain evidence that a secondary valuation product was ordered or performed. The loan file was missing evidence that a secondary valuation product was ordered or performed. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 728087739254 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the NYsubprime home loan test. (XXXX Section 5, 1(c)) Using the greater of thedisclosed APR and the fully indexed rate, the loan is a subprime home loan, asdefined in the legislation. The loan is compliant with XXXX limitationsand prohibited practices. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/29/2021 |
| XXXX | 728087739254 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation Not Cured | XXXX | This loan failed the charges that in total cannot increase more than 10% test. A Change of Circumstance was not provided in the loan file. Unable to determine if the revised Loan Estimate/CD issued on XX/XX/XXXX was disclosed within 3 business days of the change. Therefore, the increase/addition to the following fees was not accepted: Title- Abstract Search, Title- Bankruptcy Search, Title- Patriot Search, and Title Service Fee. This results in a cost to cure of: XXXX If curing with a refund, the following documents must be provided: LOE, PCCD, copy of refund, proof of delivery. Per regulation, refund and revised disclosures must be provided no later than 60 days after consummation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see attached for the SSPL that was not provided. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 728087739254 | 3 of 5 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Missing | XXXX | The file is missing a written list of Service Providers. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/29/2021 |
| XXXX | 728087739254 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | VVOE required | XXXX | The guidelines require CPA/Accountant/Tax Preparer's letter stating: borrower's position/title, ownership percentage, and business inception date. Letter must be dated and signed on firm's letterhead, and must include signer's contact information. The loan file was missing a CPA/Accountant/Tax Preparer's letter to verify the borrower's employment. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> VVOE attached.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> CPA letter<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Still missing the CPA Letter on CPA Letterhead with all required details. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 728087739254 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/29/2021 |
| XXXX | 168572647828 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 168572647828 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 168572647828 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 815007861310 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Missing | XXXX | The file is missing a written list of Service Providers. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/29/2021 |
| XXXX | 815007861310 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/29/2021 |
| XXXX | 815007861310 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/29/2021 |
| XXXX | 258369962821 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 258369962821 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Inc Misc | XXXX | Verification of the CPA is required to be obtained per Lender's guidelines. However, the loan file does not contain verification of the borrower's CPA. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CPA Verification and VVOE<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 258369962821 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 797410299976 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 797410299976 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income Docs | XXXX | The income/employment is not documented properly according to guides. Subject is a lite doc loan and guidelines require P&L to verify income. P&L missing from file. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> P&L attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 797410299976 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 543609279081 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/29/2021 |
| XXXX | 543609279081 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/29/2021 |
| XXXX | 543609279081 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. The AVM confidence score was between 65% and 80%, a reduction in the AVM value was taken into account. The reduced AVM value still supports the origination value within 10%. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/29/2021 |
| XXXX | 655217208239 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 655217208239 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 655217208239 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/29/2021 |
| XXXX | 350332347628 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 350332347628 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Assets | XXXX | The CD dated XX/XX/XXXX states XXXX required to close. The file contains XXXX in verified assets plus the EMD of XXXX. The file is missing evidence of XXXX XXX XXXX statement as stated on the final 1003. The file is XXXX short to close and missing the required 3 month cash reserves. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Bank Statement attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 350332347628 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Inc Misc | XXXX | The file is missing the PTIN. Guidelines require satisfactory quality control check of business and CPA/Accountant/Tax Preparer validity to becompleted by the underwriter. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> PTIN attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 2 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 350332347628 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Secondary Valuation Product Not Provided | XXXX | The loan file does not contain evidence that a secondary valuation product was ordered or performed. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> original AVM report shows no hit result, please find the updated AVM report pulled<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/29/2021 |
| XXXX | 246252324737 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/27/2021 |
| XXXX | 246252324737 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/27/2021 |
| XXXX | 246252324737 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/27/2021 |
| XXXX | 718458802412 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/27/2021 |
| XXXX | 718458802412 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/27/2021 |
| XXXX | 718458802412 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/27/2021 |
| XXXX | 441651234060 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Missing | XXXX | The file is missing a written list of Service Providers. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/27/2021 |
| XXXX | 441651234060 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Hazard Insurance | XXXX | The loan is missing a current hazard insurance policy on the subject property verifying sufficient coverage/replacement cost. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached insurance declarations with sufficient coverage. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/27/2021 |
| XXXX | 441651234060 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/27/2021 |
| XXXX | 899601280223 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/27/2021 |
| XXXX | 899601280223 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Flood Cert | XXXX | The flood certificate is missing. According to the appraisal, the subject is not located in a flood zone; however, the actual flood certificate is missing from the loan file. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached for the Flood Cert. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/27/2021 |
| XXXX | 899601280223 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/27/2021 |
| XXXX | 387919599301 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/27/2021 |
| XXXX | 387919599301 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/27/2021 |
| XXXX | 387919599301 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/27/2021 |
| XXXX | 946173759865 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/22/2021 |
| XXXX | 946173759865 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 946173759865 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 717613653424 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 717613653424 | 2 of 5 | XXXX | XX/XX/XXXX | Credit | Assets Misc | XXXX | A portion of the Borrower's verified assets were from a Business account. However, the loan file did not properly verify the Borrower's ownership of the business, therefore the business funds could not be confirmed as available for the Borrower's use for this transaction. If these funds can not be confirmed as available for use, the result would be a loss of XXXX in Business Account funds, and the Earnest Money Deposit which also came from this account in the amount of XXXX, resulting a potential total shortage of XXXX. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CPA Letter attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 717613653424 | 3 of 5 | XXXX | XX/XX/XXXX | Credit | Inc Misc | XXXX | There are additional employment/income findings. The Lender's guidelines required a CPA letter for a self employed Borrower to verify the Borrower's ownership and confirming the percentage of ownership. The loan file contained a verbal verification that someone spoke to a CPA, and confirmed the borrower as "owner", but no CPA letter itself and the verification did not confirm the Borrower's percentage of ownership. Auditor research revealed documentation that the Borrower may not have been the sole owner of the business. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CPA Letter attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 717613653424 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | Income Docs | XXXX | The income is not documented properly according to guides. The Lender's guidelines required a 12 month profit and loss statement for self employed income. The loan file contained no profit and loss or other verification of the Borrower's self employed income. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> P&L attached.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 717613653424 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 916806286001 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/22/2021 |
| XXXX | 916806286001 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 916806286001 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 822245126888 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID CD- Section B incorrect payee | XXXX | The loan contains a fee where 'compensation to' was not designated: Appraisal Final Inspection. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/22/2021 |
| XXXX | 822245126888 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 822245126888 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 213467284689 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Inaccurate Mortgage | XXXX | The mortgage was not completed accurately. There is an individual on the Security Instrument who signed as an agent under a Power of Attorney but the Power of Attorney is missing. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached for the POA. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 213467284689 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 213467284689 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 460898111169 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/22/2021 |
| XXXX | 460898111169 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 460898111169 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 685764934349 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/22/2021 |
| XXXX | 685764934349 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/22/2021 |
| XXXX | 685764934349 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/22/2021 |
| XXXX | 410923406093 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/22/2021 |
| XXXX | 410923406093 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/22/2021 |
| XXXX | 410923406093 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/22/2021 |
| XXXX | 827516267578 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/22/2021 |
| XXXX | 827516267578 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 827516267578 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/22/2021 |
| XXXX | 873451851787 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 873451851787 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 873451851787 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Secondary Valuation Product Not Provided | XXXX | The loan file does not contain evidence that a secondary valuation product was ordered or performed. The guidelines indicate that a Automated Valuation Model (AVM) on all loans. The loan file does not contain an AVM to support the current appraised value. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM report<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 302604764699 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Flood Insurance Required | XXXX | The loan was subject to Flood Insurance and the Closing Disclosure showed no evidence that Flood Insurance premiums were escrowed. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We are not required to escrow flood insurance as the master insurance shows that the flood insurance has enough for all units. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 302604764699 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 302604764699 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/22/2021 |
| XXXX | 532744565480 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the XXXX Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary. Mitigating Factor- Seller is Exempt. Loan is compliant. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/22/2021 |
| XXXX | 532744565480 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation Not Cured | XXXX | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees was not accepted: Transfer Taxes. This results in a cost to cure of XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv) |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Please see attached for the PCCD, LOE, Proof of Delivery and Proof of refund. <br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 2 | 3 | 2 | 12/22/2021 |
| XXXX | 532744565480 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/22/2021 |
| XXXX | 532744565480 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/22/2021 |
| XXXX | 261955486244 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/20/2021 |
| XXXX | 261955486244 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID CD- Section B incorrect payee | XXXX | TRID-CD/Payee Not Listed. The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD: Property Condition Inspection. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/20/2021 |
| XXXX | 261955486244 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/20/2021 |
| XXXX | 261955486244 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/20/2021 |
| XXXX | 600342524346 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 600342524346 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 600342524346 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 532765609770 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/20/2021 |
| XXXX | 532765609770 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/20/2021 |
| XXXX | 532765609770 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/20/2021 |
| XXXX | 636215493373 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 636215493373 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 636215493373 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 868250758355 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 868250758355 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 868250758355 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/20/2021 |
| XXXX | 936890549131 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the NYsubprime home loan test. (XXXX Section 5, 1(c)) Using the greater of thedisclosed APR and the fully indexed rate, the loan is a subprime home loan, asdefined in the legislation. The loan is compliant with XXXX limitationsand prohibited practices. |  |  |  |  |  | 2 | 2 | 3 | 2 | 12/20/2021 |
| XXXX | 936890549131 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Assets - Recent Large Deposits | XXXX | Recent large deposits were not adequately sourced and/or documented. The guidelines required One-month recent bank statement(s) (all pages) covering a period of at least 30-days evidencing balance of funds to close, closing costs, and reserves. Further, the guidelines require that for any large deposits other than those clearly indicating that they came from a depository institution titled to borrower, borrower must provide a letter of explanation and supporting documentation. Undocumented / Unsourced single and/or cumulative deposits up to XXXX within the transaction period may be used in the qualifying assets. Any undocumented / unsourced single and/or cumulative deposits over the XXXX limit within the transaction period will be deducted from the qualifying assets. The borrower was required to evidence 3 months in PITIA reserves equal to XXXX (XXXX PITIA X 3 months) this is in addition to the requirement of XXXX in funds to close, prepaid items and earnest money deposit. Therefore, the borrower was required to evidence a total of XXXX in funds for the subject transaction. The loan file contained a statement for the business account with XXXX account number ending XXXX, which reflected a balance of XXXX; however, there were several large deposits in the amounts of XXXX, XXXX, XXXX, XXXX and XXXX which totaled XXXX. The loan file contained no explanation or documentation for any of these large deposits; therefore, there was only evidence of XXXX in qualifying assets. As a result, there would be a XXXX shortage in verified funds for the transaction. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CPA LOE attached. This is a business account, this is normal activity for this business. Our guidelines only require personal bank accounts that have deposits over $10,000 to have an LOE.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/20/2021 |
| XXXX | 936890549131 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Debts Not verified on credit report | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. For additional Real Estate Owned (REO), the guidelines indicate that the information stated on the application will serve as verification of the income and expenses of the property(ies). No supporting documentation will be required. However, the guidelines also state that verification of properties owned free-and-clear is required. The loan application reflected a property located at XXXX, which was indicated as owned free and clear; however, no evidence of such was present in the loan file. Further, a comment that the property status was sold was also present; however, there was no evidence of such in the loan file. It should also be noted that the origination underwriter included the other property debts (insurance, taxes, etc.) of XXXX in the debt calculation. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Attached HOI for property XXXX indicates the property owned free-and-clear.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 12/20/2021 |
| XXXX | 936890549131 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 12/20/2021 |
| XXXX | 743784441221 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/20/2021 |
| XXXX | 743784441221 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Reserve Assets | XXXX | Sufficient reserves to meet guideline requirements were not verified in the file. The borrower was required to evidence 3 months in PITIA reserves equal to XXXX (XXXX PITIA X 3 months) this is in addition to the requirement of XXXX in funds to close, prepaid items and earnest money deposit. Therefore, the borrower was required to evidence a total of XXXX in funds for the subject transaction. ?The loan file only contained evidence of XXXX in qualifying assets. As a result, there is a XXXX shortage in verified reserves. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Given that this is a dry state, the values indicated on our Final CD have since been updated on the PCCD attached here. The numbers have been updated with the information from the final settlement statement provided by the closing agent. With the borrower bringing in XXXX at the time of closing, the borrower is actually instead receiving money back from this transaction. Therefore, there should be no asset shortage issues now. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/20/2021 |
| XXXX | 743784441221 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/20/2021 |
| XXXX | 703002196178 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation Not Cured | XXXX | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Transfer Taxes. A cost to cure in the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv) |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> The transfer taxes increased due to a deed transfer from the LLC to the individual. Correct COC CD provided.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> The transfer taxes increased due to a deed transfer from the LLC to the individual. Correct COC CD provided.<br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/20/2021 |
| XXXX | 703002196178 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/20/2021 |
| XXXX | 703002196178 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/20/2021 |
| XXXX | 979996561194 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Missing | XXXX | The file is missing a written list of Service Providers. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/20/2021 |
| XXXX | 979996561194 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/20/2021 |
| XXXX | 979996561194 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/20/2021 |
| XXXX | 145236064127 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 145236064127 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Gift Letter / Funds | XXXX | A required gift letter was missing from the file and/or the donor funds were not verified. Gift funds were used as qualifying assets. The guidelines require the Borrower to provide a fully executed donor gift letter and the donor's cancelled personal check or Certified Check. In addition, a copy of the borrower's bank statement evidencing deposit of donor's gift. The borrower provided a Gift Letter from XXXX for XXXX. However, the loan file does not contain a copy of the donors cancelled personal check or the Borrower(s) bank statement evidencing receipt of the gift funds. Also, the EMD cancelled check provided reflects the XXXX EMD check was paid to the title company by XXXX (borrower's father). However, the loan file does not contain a Gift Letter for the XXXX funds given on the Borrower(s) behalf. The loan file does not contain a Gift Letter for XXXX from XXXX. The loan file does not contain a cancelled personal check from XXXX for XXXX. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Borrower changed name from XXXX to XXXX. The old name on EMD check is the same borrower. And the EMD was from the borrower's own account. Please see attached Name Change Documentation, EMD deposit check, and bank statement. For a gift from XXXX was not used for transaction, it appears that gift letter was inadvertently combined with another gift and shipped by accident. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Explanation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 145236064127 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 168395759472 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 168395759472 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 168395759472 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Secondary Valuation Product Not Provided | XXXX | The loan file does not contain evidence that a secondary valuation product was ordered or performed. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> AVM<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 330812242594 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 330812242594 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 330812242594 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 987411733047 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID CD ' Closing Information/File number Info | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct File number. Non-material defect. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/17/2021 |
| XXXX | 987411733047 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/17/2021 |
| XXXX | 987411733047 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/17/2021 |
| XXXX | 972292200249 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/17/2021 |
| XXXX | 972292200249 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/17/2021 |
| XXXX | 972292200249 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/17/2021 |
| XXXX | 337517033122 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - SPL - Missing | XXXX | The file is missing a written list of Service Providers. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/17/2021 |
| XXXX | 337517033122 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/17/2021 |
| XXXX | 337517033122 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/17/2021 |
| XXXX | 346473560242 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt. |  |  |  |  |  | 2 | 2 | 2 | 2 | 12/17/2021 |
| XXXX | 346473560242 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/17/2021 |
| XXXX | 346473560242 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 | 12/17/2021 |
| XXXX | 919263581916 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 919263581916 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 919263581916 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. Further, the loan file contains an CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 928822394605 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 928822394605 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 928822394605 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 | 12/17/2021 |
| XXXX | 100197044000 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | The loan is in compliance with all applicable laws and regulations | XXXX | The loan is in compliance with all applicable laws and regulations |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 100197044000 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | The loan meets all applicable credit guidelines | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 100197044000 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Secondary Valuation Product Not Provided | XXXX | The loan file does not contain evidence that a secondary valuation product was ordered or performed. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> CDA uploaded.<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> CDA supports appraised value. (Resolved)<br>**  |  | 3 | 1 | 3 | 1 | 12/17/2021 |
| XXXX | 693578773058 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX home loan test. (XXXX Section 5, 1(c)). Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. The loan is compliant with XXXX limitations and prohibited practices. Mitigating Factor- Seller is Exempt |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> We are exempt from this test fail. Please clear this condition. <br>**  | **Response 1 (XX/XX/XXXX XX:XXPM)<br> Seller is exempt. The loan is compliant. (Resolved)<br>**  |  | 2 | 2 | 3 | 2 | 4/7/2022 |
| XXXX | 693578773058 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID CD- Section B incorrect payee | XXXX | The loan contains the fee or fees where 'compensation to' does not reflect a payee on the revised CD issued on XX/XX/XXXX: Appraisal Fee. |  |  |  |  |  | 2 | 2 | 3 | 2 | 4/7/2022 |
| XXXX | 693578773058 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Credit Date | XXXX | The credit report was too old at the time of closing based on guides. The guide states credit report expires after 90 days. The credit report on file is dated XX/XX/XXXX, the note date is XX/XX/XXXX. The credit report exceeds the stated 90 day limit. |  | Resolved | **Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Credit Report attached<br>**  | **Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>**  |  | 3 | 1 | 3 | 2 | 4/7/2022 |
| XXXX | 693578773058 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Value is supported within 10% of original value and all applicable appraisal guidelines were found to be acceptable | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. CDA in file supports value. |  |  |  |  |  | 1 | 1 | 3 | 2 | 4/7/2022 |

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## Exhibit 99.25

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.25**

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| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 229121341612 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 158176097522 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 974687703406 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 301556254156 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 3.831% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 983275990138 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 2.131% | XXXX |  | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 312015840552 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -18.213% | XXXX | 80 | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 974880116519 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 1.911% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 433995379812 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -0.168% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 598231336025 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -8.288% | XXXX | 90 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 318899459381 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.679% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 426335731036 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -5.511% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 198410697554 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.299% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 579183148578 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -2.599% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 408199716096 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -3.158% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 271903015196 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -3.917% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 462853546020 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.699% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 329667209662 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 438198846064 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.338% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 309092191178 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -2.891% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 756038674169 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -7.844% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 734649379066 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 653324098617 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -0.076% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 665192683734 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 636160122738 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -2.659% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 194049348262 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -6.830% | XXXX | 90 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 530509231979 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 2.496% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 488770046338 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -18.395% | XXXX |  | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 380557027849 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 145215042761 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -21.787% | XXXX | 95 | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 131515407355 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -2.364% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 269638264118 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -1.965% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 494390319406 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 1.619% | XXXX | 95 | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 523556839777 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -3.538% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 702224976737 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.822% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 556378268605 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.952% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 836556590496 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -0.805% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 928822394605 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.129% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 919263581916 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.636% | XXXX | 95 | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 346473560242 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -8.654% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 337517033122 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -14.133% | XXXX | 95 | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 972292200249 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 1.096% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 987411733047 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 1.214% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 330812242594 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -0.376% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 168395759472 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -3.845% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 145236064127 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 979996561194 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.551% | XXXX | 90 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 703002196178 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -1.145% | XXXX | 90 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 743784441221 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 5.578% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 936890549131 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 868250758355 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.716% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 636215493373 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -0.542% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 532765609770 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.416% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 600342524346 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 261955486244 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -3.798% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 532744565480 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 3.599% | XXXX | 80 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 302604764699 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 5.341% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 873451851787 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 2.673% | XXXX | 74 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 827516267578 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.268% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 410923406093 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -0.527% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 685764934349 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.305% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 460898111169 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 3.947% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 213467284689 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 822245126888 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 916806286001 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.028% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 717613653424 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -18.401% | XXXX |  | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 946173759865 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 7.946% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 387919599301 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -1.308% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 606186417537 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 6.923% | XXXX | 80 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 659070245441 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 44.256% | XXXX | 80 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 578353987228 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -3.628% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 653447551270 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 1.525% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 547891936770 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 812002138865 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -1.026% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 581973721861 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -2.213% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 170158291605 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.848% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 339106011681 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 5.535% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 241227922548 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -8.580% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 463097292286 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 1.659% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 708175270430 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.230% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 188622073695 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -6.855% | XXXX | 80 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 100197044000 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 899601280223 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 441651234060 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 11.038% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 718458802412 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 246252324737 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -2.013% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 350332347628 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 20.205% | XXXX | 80 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 655217208239 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 11.914% | XXXX | 90 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 543609279081 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 8.589% | XXXX | 80 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 797410299976 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -7.720% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 258369962821 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 815007861310 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -3.991% | XXXX | 90 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 168572647828 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -7.581% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 728087739254 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -3.909% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 131825199917 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -0.014% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 213723750644 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -4.601% | XXXX | 97 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| XXXX | 717403730200 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -9.460% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 426997508542 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 728021600566 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.255% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 915062541842 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 16.185% | XXXX | 80 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 399135048265 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -6.523% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 298882678759 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 0.080% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 319883003574 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 3.487% | XXXX | 95 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 693578773058 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | -12.397% | XXXX | 90 | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.26

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.26**

![](ex9926001.jpg)

**NARRATIVE**

**GCAT 2023-NQM1**

**By Canopy Financial Technology Partners LLC on January 10, 2023**

Canopy Financial Technology Partners LLC

<u>info@canopytpr.com</u> \| 720-371-8517 \| <u>www.canopytpr.com</u>

Address: 83 Halls Road, Unit 203, Old Lyme, CT 06371

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

 **Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Blue River Mortgage lll LLC (the "Client") or its affiliated company. The Review was conducted from October 2021 to December 2021 via files imaged and provided by the Client for review.

The Review consisted of a population of Eight (8) Loans with an aggregate principal balance of $11,185,650.00.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

**Credit Underwriting**

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

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

● Assets
 and Reserves;

● DTI;

● DSCR;

● Gross
 Income;

● Housing
 history;

● Lien
 Position;

● Loan
 Purpose;

● LTV/CLTV;

● Monthly
 debt service;

● Occupancy;

● Property
 Type;

● Qualifying
 PITI; and

● Residual
 Income.

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

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

● Borrower(s)
 employment history ;

● Citizenship
 and eligibility;

● First
 time home buyer status ;

● The
 application was signed by all borrowers; and

● The
 application was substantially completed.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

**Credit History:** Canopy verified:

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

● Bankruptcy
 and foreclosure seasoning;

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

● Installment
 and revolving payment history;

● Mortgage/rental
 payment history;

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

● Number
 of tradelines; and

● Representative
 Credit Score and Methodology.

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

● Verbal
 or Written VOE's;

● Paystubs;

● W-2
 forms;

● Tax
 returns;

● Financial
 statements;

● Award
 letters;

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

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

● Borrower
 identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing
 – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

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

● Depository
 account statements;

● Gift
 funds;

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

● Stock
 or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

● Initial
 application (1003);

● Final
 application (1003);

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

● Note;

● Mortgage/Deed
 of Trust;

● Appraisal;

● Sales
 Contract;

● Title
 Commitment/Policy;

● Junior
 Lien/Subordination Agreement;

● Mortgage
 Insurance;

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

● Flood
 Certification;

● Initial
 and Final Loan Estimate (LE);

● Initial
 and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
 Review Scope ("TRID Grid 3.0" v.12/05/2019);

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

**Ability to Repay (ATR)**

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

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

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

**Valuation Review**

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

**Independent third-party values**

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

**Valuation Reconciliation Process:** 

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

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

**Agency Eligible Loans:** 

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

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

**VALUATION RESULTS SUMMARY**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** |
| &nbsp;&nbsp;**# of Files – CU<br> Score <= 2.5** | &nbsp;&nbsp;**# of Files – Eligible Rep<br> & Warrant Relief** | &nbsp;&nbsp;**# of Files < -10% of OA<br> valued (Desk Review)** | &nbsp;&nbsp;**# of Files => -10% of OA<br> valued (Desk Review)** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

● Chart
 is N/A as all Loan Files were Non-Agency

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** |
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value**<br> **OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |

---

● Of
 the 8 Non-Agency Eligible loans reviewed:

○ 8 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

○ 2 Loan File was noted with a Desk Review and Second Full Appraisal supporting the original appraised value within a 10% variance.

**GRADING COMPONENTS**

 **Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

---

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

---

---

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

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

**FINDINGS SUMMARY**

 **Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 0.00% (0 loans) have an overall grade of "B" and 100.00% (8 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (8 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (8 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (8 loans) have a Property/Valuation grade of "A".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

 **Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11185650.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11185650.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11185650.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11185650.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation — Proceeds used to pay off existing loans other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$1435000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$1993650.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$680000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$4167000.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$2910000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11185650.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11185650.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11185650.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;7 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;$9750650.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$1435000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11185650.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

**DATA COMPARISON RESULTS**

Of the Eight (8) mortgage Loan Files reviewed, Zero (0) unique loan (0.00% by number) had Zero (0) tape comparison discrepancies across Twenty-six (26) Data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |

---

**Disclaimer**

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](ex9926001.jpg)

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

## Exhibit 99.27

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.27**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Originator DSCR** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **CPA Letter Flag** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?**  | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| 609114388846 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | 15131.9 | $18711.92 |  | 4.034% | $4020.53 | 3.875% | No | No | Employed | Not Employed |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  |  |  | 1 | xxx | $1026.96 |  |  |  |  |  |  | 41.47% | 41.47% | 08/05/2021 | 08/05/2021 | 08/05/2021 |  |  | 730 |  |  |  |  |  |  | 08/05/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 15131.9 | xxx | 2.910% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 2 | 2 |  |  |  |  |  | 0.000 |  | N/A | No | NA |  | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 429695500402 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | 4769 | $8256.78 |  | 3.594% | $3053.50 | 3.500% | No |  | Employed |  |  |  |  |  | xxx |  |  |  | xxx |  |  |  |  | 1 | xxx | $1017.00 |  |  |  |  |  |  | 42.96% | 42.96% | 09/09/2021 | 09/09/2021 |  |  |  | 793 |  |  |  |  |  |  | 09/09/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 4769 | xxx | 2.930% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 | 2 |  |  |  |  |  | 0.000 |  | N/A | No | NA |  | No | 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 871704830882 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No |  | $32096.01 |  |  | $5953.71 | 2.875% | Yes |  | Self-Employed |  |  |  |  |  | xxx |  |  |  | xxx |  |  |  |  | 1 | xxx | $2158.20 | xxx |  | $20.83 |  |  |  | 40.76% | 40.76% | 08/19/2021 | 08/19/2021 |  |  |  | 789 |  |  |  |  |  |  | 08/19/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, 1 Month Business Bank Statements Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation |  |  |  |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 2 | 1 | 1 |  |  | 24 |  |  | 0.000 |  | N/A | No | NA |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 628966246318 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | 32424.2 | $34725.53 |  | 3.345% | $12664.50 | 3.250% | No | No | Self-Employed | Employed |  |  |  |  | xxx | xxx |  |  | xxx | xxx |  |  |  | 1 | xxx | $1725.00 |  |  |  |  |  |  | 48.36% | 48.36% | 10/07/2021 | 10/07/2021 | 10/07/2021 |  |  | 767 |  |  |  |  |  |  | 10/07/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Qualifying DTI Exceeds 43% | 32424.2 | xxx | 3.060% |  |  |  | No |  |  | No |  | 2 | 2 | 2 | 2 | 3 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |  | No | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 410139223881 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | 5642.8 | $14444.21 |  | 3.925% | $11191.64 | 3.875% | No |  | Employed |  |  |  |  |  | xxx |  |  |  | xxx |  |  |  |  | 1 | xxx | $3281.04 |  |  |  |  |  |  | 42.97% | 42.97% | 10/08/2021 | 10/08/2021 |  |  |  | 773 |  |  |  |  |  |  | 10/08/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Commission - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1 Month Personal Bank Statements Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 5642.8 | xxx | 3.100% |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 0 | 1 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |  | Yes | 35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 176016625716 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | 1910 | $9112.52 |  | 3.431% | $4120.34 | 3.375% | No |  | Self-Employed |  |  |  |  |  | xxx |  |  |  | xxx |  |  |  |  | 1 | xxx | $4080.96 |  |  |  |  |  |  | 28.56% | 28.56% | 10/26/2021 | 10/26/2021 |  |  |  | 763 |  |  |  |  |  |  | 10/26/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Borrower Prepared | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 1910 | xxx | 3.140% |  |  |  | No |  |  | No |  | 1 | 0 | 2 | 2 | 3 | 3 |  |  | 9 |  | 0 | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 578804376923 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | Yes | 2089.21 | $3599.89 |  | 3.544% | $2974.47 | 3.500% | No |  | Employed |  |  |  |  |  | xxx |  |  |  | xxx |  |  |  |  | 1 | xxx | $1119.00 |  |  |  |  |  |  | 33.95% | 33.95% | 10/06/2021 | 10/06/2021 |  |  |  | 778 |  |  |  |  |  |  | 10/06/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 0.00% |  |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 2089.21 | xxx | 3.040% |  |  |  | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |  | Yes | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 767220884710 |  |  | Non-QM: Lender documented all ATR UW factors | xxx | Yes | No | 35078.94 | $37321.68 |  | 3.097% | $5523.26 | 2.875% | No |  | Self-Employed |  |  |  |  |  | xxx |  |  |  | xxx |  |  |  |  | 1 | xxx | $3657.24 |  |  |  |  |  |  | 15.68% | 15.68% | 10/25/2021 | 10/25/2021 |  |  |  | 814 |  |  |  |  |  |  | 10/25/2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | 0 |  | 0.00% | 100.00% |  | Borrower Prepared | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  |  |  | Appendix Q Documentation | 35078.94 | xxx | 3.140% |  |  |  | No |  |  | No |  | 2 | 0 | 2 | 2 | 2 | 2 |  |  | 10 |  | 0 | 0.000 |  | N/A | No | Yes | 24 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.28

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 609114388846 |  | A | Closed | finding-3632 | 2022-10-07 10:16 | 2022-10-07 10:18 | Resolved | 1 - Information A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/07/2022 |  |  | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 609114388846 |  | A | Closed | finding-3631 | 2022-10-07 10:16 | 2022-10-07 10:18 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/07/2022 |  |  | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 609114388846 |  | A | Closed | finding-3635 | 2022-10-07 10:16 | 2022-10-07 10:18 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($4,018.00) exceed the comparable charges ($371.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-10/07/2022 |  |  | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 429695500402 |  | C A | Closed | finding-3631 | 2021-10-29 14:01 | 2021-11-03 11:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved. COC and Revised LE received. - Due Diligence Vendor-11/03/2021 <br>Ready for Review-Document Uploaded. This was disclosed on 9.28.21 - please see attached LE/COC. - Seller-10/29/2021 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/26/2021 | Ready for Review-Document Uploaded. This was disclosed on 9.28.21 - please see attached LE/COC. - Seller-10/29/2021<br>| Resolved-Resolved. COC and Revised LE received. - Due Diligence Vendor-11/03/2021<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09068515497553017 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 429695500402 |  | C A | Closed | finding-3632 | 2021-10-29 14:00 | 2021-11-03 11:12 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved. COC and Revised LE received. - Due Diligence Vendor-11/03/2021 <br>Ready for Review-Document Uploaded. This was disclosed on 9.28.21 - please see attached LE/COC. - Seller-10/29/2021 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/26/2021 | Ready for Review-Document Uploaded. This was disclosed on 9.28.21 - please see attached LE/COC. - Seller-10/29/2021<br>| Resolved-Resolved. COC and Revised LE received. - Due Diligence Vendor-11/03/2021<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09068515497553017 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 429695500402 |  | C A | Closed | finding-3634 | 2021-10-29 14:00 | 2021-11-03 11:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC and Revised LE received. - Due Diligence Vendor-11/03/2021 <br>Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-10/26/2021 <br>Ready for Review-Document Uploaded. This was disclosed on 9.28.21 - please see attached LE/COC. - Seller-10/29/2021 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). There is no evidence of a cure/coc for the $200 Appraisal Re-inspection Fee. - Due Diligence Vendor-10/26/2021 | Ready for Review-Document Uploaded. This was disclosed on 9.28.21 - please see attached LE/COC. - Seller-10/29/2021<br>| Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC and Revised LE received. - Due Diligence Vendor-11/03/2021 <br>Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-10/26/2021<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09068515497553017 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 871704830882 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Second Home | Refinance | Cash Out - Home Improvement/Reno |  |  |
| 628966246318 |  | C A | Closed | FCRE1168 | 2021-11-15 16:03 | 2021-11-15 23:30 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of $xxx is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $xxx - Due Diligence Vendor-11/16/2021 <br> Ready for Review-Document Uploaded. This condition is erroneous. RCE is $xxx / Over-insured for $xxx + $xxx = $xxx which is over RCE. - Seller-11/15/2021 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $xxx is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $xxx - Due Diligence Vendor-11/12/2021 | Ready for Review-Document Uploaded. This condition is erroneous. RCE is $xxx/ Over-insured for $xxx + $xxx = $xxx which is over RCE. - Seller-11/15/2021 | Resolved-Hazard Insurance Coverage Amount of $xxx is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $xxx - Due Diligence Vendor-11/16/2021 |  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 410139223881 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Primary Residence | Purchase | NA |  |  |
| 176016625716 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Primary Residence | Purchase | NA |  |  |
| 578804376923 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 767220884710 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |

---

## Exhibit 99.29

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.29**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 609114388846 |  |  | xxx A |
| 429695500402 |  |  | xxx A C |
| 871704830882 |  |  | xxx A |
| 628966246318 |  |  | xxx C A |
| 410139223881 |  |  | xxx A |
| 176016625716 |  |  | xxx A |
| 578804376923 |  |  | xxx A |
| 767220884710 |  |  | xxx A |

---

## Exhibit 99.30

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 609114388846 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 429695500402 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 871704830882 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 628966246318 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | .030 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 410139223881 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | .000 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 176016625716 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 578804376923 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 767220884710 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.31

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.31**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 609114388846 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 15131.9 | 4.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No | N/A |
| 429695500402 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 4769 | 3.594 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 871704830882 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 628966246318 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% |  | Yes | No | No | No | No | No | No | No | No | No | 32424.2 | 3.345 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No | N/A |
| 410139223881 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 5642.8 | 3.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 176016625716 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 1910 | 3.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 578804376923 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 2089.21 | 3.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |
| 767220884710 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | No | No | No | No | No | No | No | No | No | 35078.94 | 3.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No | N/A |

---

## Exhibit 99.32

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.32**

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

---

## Exhibit 99.33

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.33**

![](ex9933001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

Executive Summary<br>GCAT 2023-NQM1<br>Dated: January 10, 2023<br>

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br>**P: 888.892.1843** **\| evolvemortgageservices.com** <br>

![](ex9933002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Blue River Mortgage III LLC, (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population consisted of 14 Residential Loans, totaling an aggregate original principal balance of approximately $7,368,700. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings (Fitch) and DBRS, Inc ("DBRS"), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

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

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Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

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

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

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

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

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Industry Group ("SFIG") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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

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

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Forward Thinking. Seamless Solutions.

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**FITCH** | &nbsp;&nbsp;**FITCH** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;8 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;6 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**FITCH** | &nbsp;&nbsp;**FITCH** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;78.57% | &nbsp;&nbsp;11 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;3 | &nbsp;&nbsp;21.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**FITCH** | &nbsp;&nbsp;**FITCH** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.86% | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**FITCH** | &nbsp;&nbsp;**FITCH** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;35.71% | &nbsp;&nbsp;5 | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;64.29% | &nbsp;&nbsp;9 | &nbsp;&nbsp;64.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** |

---

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**Data Results Summary** 

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans <br> with <br> Discrepancy** | &nbsp;&nbsp;**Total Time <br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Co-Borrower Self-employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;14 | &nbsp;&nbsp;21.43% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Qualified Mortgage | &nbsp;&nbsp;4 | &nbsp;&nbsp;14 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% |

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Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission
 Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;
 and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

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

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## Exhibit 99.34

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.34**

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|:---|
| **Rating Agency Grades** |
| **Run Date - 01/11/2023 8:16:31 AM** |

---

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** |
| 1203972 | 460812783687 | XXXXXXXXXXXX | XXXXXX A |
| 1203973 | 532363560227 | XXXXXXXXXXXX | XXXXXXX A |
| 1204000 | 242455844086 | XXXXXXXXXXXX | XXXXXX C A B |
| 1215245 | 765369459874 | XXXXXXXXXXXX | XXXXXX C A B |
| 1232430 | 214693976583 | XXXXXXXXXXXX | XXXXXX D C A B |
| 1232435 | 333364388209 | XXXXXXXXXXXX | XXXXXX D C A B |
| 1232438 | 446609732694 | XXXXXXXXXXXX | XXXXXX D C A B |
| 1254162 | 635188716033 | XXXXXXXXXXXX | XXXXXX D C A |
| 1254175 | 361005614853 | XXXXXXXXXXXX | XXXXXX A C |
| 1254231 | 554350237199 | XXXXXXXXXXXX | XXXXXX A C |
| 1254245 | 972136956223 | XXXXXXXXXXXX | XXXXXX D C A B |
| 1261327 | 512596117375 | XXXXXXXXXXXX | XXXXXX C A B |
| 1261390 | 508274147583 | XXXXXXXXXXXX | XXXXXX D A B |
| 1261478 | 884846218723 | XXXXXXXXXXXX | XXXXXXX A C B |

---

## Exhibit 99.35

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.35**

---

| |
|:---|
| **Exception Detail** |
| **Run Date - 01/11/2023 8:16:31 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1203972 | 460812783687 | XXXXXXXXXXXX | 5840707 | 431 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  |  | documentation provided |  |  | 08/26/2021 |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 A |  | Exempt | 1 |
| 1203972 | 460812783687 | XXXXXXXXXXXX | 5840709 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  |  | received |  |  | 07/27/2021 |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 A |  | Exempt | 1 |
| 1203973 | 532363560227 | XXXXXXXXXXXX | 5848472 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  |  | received |  |  | 07/22/2021 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 A |  | Exempt | 1 |
| 1203973 | 532363560227 | XXXXXXXXXXXX | 5848478 | 1018 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | Require validation of XXX | received |  |  | 07/22/2021 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 A |  | Exempt | 1 |
| 1204000 | 242455844086 | XXXXXXXXXXXX | 5839767 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  | • A signed XX-month XXXXXX & XXXX XXXXXXXXX (P&L) for the period ending within XX days of closing. Profit & XXXX XXXXXXXXX must include attestation confirming no material XXXXX-XX impact on ability to make mortgage payments. • XXXXXXXXXXXX quality control check of business and XXX/XXXXXXXXXX/XXX XXXXXXXX validity to be completed by XXXXXXX. |  | Exception request: XX month profit & loss statement ended XX/XX/XXXX. P&L expired XX/XX/XXXX. Loan closed X/X/XXXX, XXX days after the P&L expiration date. Compensating factors: XXXX XXX XXX (under XX% - actually XX.XXX%), low XXX XX.XXX%, over XXX onths of post closing reserves, minimal revolving debts. Approved by: XXXXXX XXXXXXXX XX/XX/XXXX | Reviewer 07/22/2021 06:52 AM; P&L XXXXXXXX ending XXXXXXX XXXX is not dated within XX days of XXXX date XX/XX/XX<br>Reviewer 10/25/2021 01:38 PM; The XXXXXX & XXXX XXXXXXXXX dated XXXXXXX XXXX - XXXXXXX XXXX is not for the period ending within XX days of closing. Note dated XX/XX/XX. The XXXXXX & XXXX XXXXXXXXX provided was resubmitted without corrections. Condition remains outstanding.<br>|  |  | 11/15/2021 B | 2 | XXXXXXXXXX | CA | 1 | 13 C B A |  | Exempt | 1 |
| 1215245 | 765369459874 | XXXXXXXXXXXX | 5874982 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/13/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 13 C B A |  | Exempt | 1 |
| 1215245 | 765369459874 | XXXXXXXXXXXX | 5874991 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | Service XXXXXXXXX XXXX/XXXX missing from file | Information provided |  |  | 07/13/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 13 C B A |  | Exempt | 1 |
| 1215245 | 765369459874 | XXXXXXXXXXXX | 5875057 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal appraiser states subject property is located in a declining residential neighborhood. Currently listings and sales from within the subjects market area show a slight decline in property values within the last XX months. Appraiser checked XXXXXXXX XXXXXX – XXXXXX. Why didn't appraiser check XXXXXXXXX? | received |  |  | 08/06/2021 |  | B | 2 | XXXXXXXXXX | NY | 1 | 13 C B A |  | Exempt | 1 |
| 1215245 | 765369459874 | XXXXXXXXXXXX | 5875069 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Borrower's completed signed P&L and proof of business existence are missing. | received |  | Reviewer 07/13/2021 09:15 AM; P&L provided - missing proof of business existence.<br>Reviewer 07/15/2021 05:10 PM; <br>Client 08/02/2021 09:58 AM; Uploaded proof from internet, there is also a XXX in the loan file <br>Client 08/02/2021 09:58 AM; Uploaded proof from internet, there is also a XXX in the loan file <br>Client 08/02/2021 09:58 AM; Uploaded proof from internet, there is also a XXX in the loan file <br>Reviewer 08/03/2021 07:31 AM; Your document reflects business is "XXXXXXXXX"<br>Reviewer 08/03/2021 07:31 AM; duplication<br>Reviewer 08/03/2021 07:32 AM; duplication<br>| 08/02/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 13 C B A |  | Exempt | 1 |
| 1215245 | 765369459874 | XXXXXXXXXXXX | 5934050 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing XXX (XXX valuation). Required XXX valuation XXX is showing a negative value difference of - XX.XX% (appraisal $X,XXX,XXX.XX vs. AVM $X,XXX,XXX.XX). Lender guidelines require a XXX valuation (XXX) if borrower does not accept the XXX value. | ARR provided supports value |  |  | 09/02/2022 |  | B | 2 | XXXXXXXXXX | NY | 1 | 13 C B A |  | Exempt | 1 |
| 1232430 | 214693976583 | XXXXXXXXXXXX | 5945333 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 11/01/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232430 | 214693976583 | XXXXXXXXXXXX | 5945334 | 893 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Need re-disclosed LE within 3 days of change of circumstance |  |  | Information provided |  | Reviewer 09/07/2021 09:14 AM; Outstanding. <br>| 10/05/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232430 | 214693976583 | XXXXXXXXXXXX | 5950552 | 431 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Conditions XXXXXXX assets/XXXX statements for closing funds . | Documentation has been provided. |  |  | 09/03/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232430 | 214693976583 | XXXXXXXXXXXX | 5965076 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Third collateral evaluation is required. Variance out of tolerance. Internal condition only. NO action required by correspondent. | initial XXX value is higher than appraised value no XXX valuation needed |  | Client 10/07/2021 08:47 AM; Re-uploaded the XXX. The XXX came in at a XXXXXX XXXXX not a lower value of the appraisal. Tolerance is moot. Pleae review and clear<br>Reviewer 10/08/2021 08:00 AM; cleared XX/X<br>| 10/07/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232430 | 214693976583 | XXXXXXXXXXXX | 6177741 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing X% tolerance violation for addition of credit report fee on the X/X XX without a valid explanation. A refund in the amount of $XX along with XXXX, lox to borrower and copy of refund check required within XX days from consummation. | Information provided |  |  | 11/01/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232430 | 214693976583 | XXXXXXXXXXXX | 6280874 | 1061 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation |  |  |  |  | Reviewer 11/01/2021 09:07 AM; Cleared with exception.<br>|  |  | 11/01/2021 B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5941770 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | NEW XXXX - XXXXXXXX to XXXXXXXXXXX XXXXXXX |  |  |  |  |  | 07/30/2021 B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5941772 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | File is missing XXX XXXX - XX XXXX XXXXXX XXXXXXXXX XXX XXXXXXXXXX |  |  |  |  |  | 07/30/2021 B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5941776 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | File is missing XXX XXXX - XXXXXXXXXX XXXXXXXXX |  |  |  |  |  | 07/30/2021 B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5941777 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | File is missing XXX XXXX - XXXXXXXX XXXX XXXXXXXXXX |  |  |  |  |  | 07/30/2021 B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5941778 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | File is missing XXX XXXX - XXXXXXXXXX on XXXXXX XXXXXX XXXXXXXXX XXXXXXXXXX. |  |  |  |  |  | 07/30/2021 B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5950260 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Initial XX date (XX/XX/XXXX) is not within three business days of the loan application date (XX/XX/XXXX). |  |  | Reviewer 10/06/2021 09:08 AM; No documentation provided<br>|  | 10/13/2021 | B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5950261 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  |  | 10/13/2021 | B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5961207 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  | File missing P&L. File does include the P&L calculation completed but need to verify with P&L. | Received |  |  | 10/06/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5961208 | 1018 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | File missing XXXXXXXX XXXXXXX / XXXXXXXXXXXXX / XXXXXXXXXXX, XXX/XXXXXXXXXX/XXX XXXXXXXX's letter stating borrower's position/title, ownership percentage, and business inception date. Letter must be dated and signed on firm's letterhead, and must include signer's contact information. CPA/XXXXXXXXXX/XXX XXXXXXXX must have a valid XXXX (preparer tax identification number). | RECEIVED |  | Reviewer 09/21/2021 08:19 AM; Unable to open image. Need to reupload. <br>Reviewer 10/06/2021 06:24 AM; Still unable to open image. <br>Reviewer 10/12/2021 03:13 PM; Still unable to open image.<br>Client 10/14/2021 03:22 PM; Re-uploaded again. Please review and clear. <br>Reviewer 10/15/2021 01:10 PM; cleared XX/XX<br>| 10/14/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5961211 | 431 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | File missing all XXXXX statements. | Documentation has been provided. |  |  | 09/21/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5961212 | 432 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Evidence of downpayment missing/incomplete |  | File missing documentation of down payment. | Copy of cancelled check received. |  |  | 09/21/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5964880 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $XXXXX.XX and XX% violation of $XXXX due to the initial XX dated within X days of initial loan application. Refund will be required if XXXXXXX XX is not provided. Additional conditions may apply |  |  | Reviewer 10/06/2021 09:08 AM; NO documentation provided <br>|  | 10/13/2021 | B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5961213 | 1024 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | UW Assets UW - Gift Receipt COMMENT: Gift letter in the file only covers $X,XXX, XXXX reflects $XX,XXX gift. | RECEIVED |  | Reviewer 09/21/2021 08:40 AM; Received X gift letters: $XXXX + $XXXX + $XXXX + XXXXX + $XXXX + $XXXX totaling $XXXXX. XXXX states gift of $XXXXX. Missing $XXXXX. <br>Reviewer 10/12/2021 03:27 PM; Last $XX,XXX.XX gift dated X/X/XXXX and relative gift letter are still missing.<br>Client 10/14/2021 03:32 PM; These were in the original upload. I re-uploaded again. Please review and clear<br>Reviewer 10/15/2021 01:11 PM; cleared XX/XX<br>| 10/14/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232435 | 333364388209 | XXXXXXXXXXXX | 5961266 | 771 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Inquiry Letter in file addressing all inquiries within the last 90 days |  | LOX for inquiries missing from file. | LOX received. |  |  | 09/21/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A C |  | Exempt | 1 |
| 1232438 | 446609732694 | XXXXXXXXXXXX | 5941678 | 879 | XXXXXXXXXX | Compliance | Application |  | Application - Other: |  | File is missing privacy notice | Information provided |  |  | 09/21/2021 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D B A C |  | Exempt | 1 |
| 1232438 | 446609732694 | XXXXXXXXXXXX | 5950350 | 986 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Initial disclosures were delivered to the borrower electronically need e-consent form "XX/XX/XXXX" or prior signed by the borrowers. | Information provided |  |  | 09/21/2021 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D B A C |  | Exempt | 1 |
| 1232438 | 446609732694 | XXXXXXXXXXXX | 5950621 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 10/22/2021 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D B A C |  | Exempt | 1 |
| 1232438 | 446609732694 | XXXXXXXXXXXX | 5961958 | 1006 | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Missing conditional/loan approval | Approval received |  |  | 09/21/2021 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D B A C |  | Exempt | 1 |
| 1232438 | 446609732694 | XXXXXXXXXXXX | 5964945 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $XXX due to the addition of XXXXXXXXXX XXXXXXX XXXXXXXX on the X/XX XX without a valid XXX. Please provide proof of refund, XXX to borrower and a XXXX reflecting cure. All must be provided within XX days of closing. | Information provided |  |  | 10/22/2021 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D B A C |  | Exempt | 1 |
| 1232438 | 446609732694 | XXXXXXXXXXXX | 5964946 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 10/22/2021 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D B A C |  | Exempt | 1 |
| 1232438 | 446609732694 | XXXXXXXXXXXX | 6248674 | 1061 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation |  |  |  |  |  |  |  | 10/22/2021 B | 2 | XXXXXXXXXX | FL | 1 | 1 D B A C |  | Exempt | 1 |
| 1254162 | 635188716033 | XXXXXXXXXXXX | 6037657 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  |  | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 13 D A C |  | Exempt | 1 |
| 1254162 | 635188716033 | XXXXXXXXXXXX | 6037658 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 10/11/2021 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 13 D A C |  | Exempt | 1 |
| 1254162 | 635188716033 | XXXXXXXXXXXX | 6037659 | 986 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | The earliest e-signature event is XX/XX/XXXX. | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 13 D A C |  | Exempt | 1 |
| 1254162 | 635188716033 | XXXXXXXXXXXX | 6054260 | 436 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  |  | Received |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 13 D A C |  | Exempt | 1 |
| 1254162 | 635188716033 | XXXXXXXXXXXX | 6054261 | 437 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  |  | Received |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 13 D A C |  | Exempt | 1 |
| 1254162 | 635188716033 | XXXXXXXXXXXX | 6054262 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  |  | Received |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 13 D A C |  | Exempt | 1 |
| 1254162 | 635188716033 | XXXXXXXXXXXX | 6054263 | 1018 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  |  | Received |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 13 D A C |  | Exempt | 1 |
| 1254162 | 635188716033 | XXXXXXXXXXXX | 6163260 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation in the amount of $XX for the increase in the XXXXXXXXX fee without a valid XXX. Please provide a XXXX reflecting full cure along with XXX and proof of refund to the borrower. All must be provided within XX days of closing. | Information provided |  |  | 10/11/2021 |  | A | 1 | XXXXXXXXXX | AZ | 1 | 13 D A C |  | Exempt | 1 |
| 1254175 | 361005614853 | XXXXXXXXXXXX | 6055064 | 431 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  |  | Documentation has been provided. |  |  | 10/01/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C A |  | Exempt | 1 |
| 1254175 | 361005614853 | XXXXXXXXXXXX | 6055065 | 432 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Evidence of downpayment missing/incomplete |  |  | Documentation has been provided. |  |  | 10/01/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C A |  | Exempt | 1 |
| 1254175 | 361005614853 | XXXXXXXXXXXX | 6055068 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  |  | Documentation has been provided. |  |  | 10/01/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C A |  | Exempt | 1 |
| 1254175 | 361005614853 | XXXXXXXXXXXX | 6042141 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C A |  | Exempt | 1 |
| 1254175 | 361005614853 | XXXXXXXXXXXX | 6042142 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  |  | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C A |  | Exempt | 1 |
| 1254175 | 361005614853 | XXXXXXXXXXXX | 6042143 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Missing XXX dated within X days of initial app | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C A |  | Exempt | 1 |
| 1254231 | 554350237199 | XXXXXXXXXXXX | 6040427 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Initial XX in file disclosed X/XX/XXXX. Application X/XX/XXXX. | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 C A |  | Exempt | 1 |
| 1254231 | 554350237199 | XXXXXXXXXXXX | 6040525 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 C A |  | Exempt | 1 |
| 1254231 | 554350237199 | XXXXXXXXXXXX | 6071161 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Guidelines require XXX/XXXXXXXXXX/XXX XXXXXXXX's letter stating borrower's position/title, ownership percentage, and business inception date. Letter must be dated and signed on firm's letterhead, and must include signer's contact information. CPA/XXXXXXXXXX/XXX XXXXXXXX must have a valid XXXX (preparer tax identification number). | Received |  |  | 09/30/2021 |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 C A |  | Exempt | 1 |
| 1254231 | 554350237199 | XXXXXXXXXXXX | 6071162 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Guidelines require business license/certification/credential to be provided (if applible). | Received |  |  | 09/30/2021 |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 C A |  | Exempt | 1 |
| 1254231 | 554350237199 | XXXXXXXXXXXX | 6071163 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Guidelines require proof self employed for at least X year and in the same line of business for at least X years. | Received |  |  | 09/30/2021 |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 C A |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6070652 | 433 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | XXXX is short total funds to close and reserves required. XXXXX to close were XX,XXX.XX and the required reserves were $X,XXX.XX. XXXX X,XXX.XX was verified, leaving a shortage of $XX,XXX.XX. | Documentation has been provided. |  |  | 09/30/2021 |  | A | 1 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6070653 | 445 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | XXXXXXX XXX/XXXXXXXXXX/XXX XXXXXXXX's letter stating borrower's position/title, ownership percentage, and business inception date. XXXXXX must be dated and signed on firm's letterhead, and must include signer's contact information. | Doc received |  |  | 09/30/2021 |  | A | 1 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6070654 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  | XXXXXXX signed XX-month XXXXXX & XXXX XXXXXXXXX (P&L) for the period ending within XX days of closing. XXXXXX & XXXX XXXXXXXXX must include attestation confirming no material XXXXX-XX impact on ability to make mortgage payments. | Doc received |  | Reviewer 09/30/2021 11:38 AM; P&L missing the confirmation of no material impact for making mortgage payments. <br>| 09/30/2021 |  | A | 1 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6047412 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | XXXX is missing initial XX disclosed within X days of application date. XX not provided, a tolerance fail refund of $XXXXX.XX will be required. | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6047417 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | XXXX proof XXXX XXXX toolkit was sent to borrower within X days of application date. | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6038417 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | XXX XXXXXXX XXXXXX was not found in the file. | Information provided |  |  | 09/28/2021 |  | A | 1 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6038418 | 666 | XXXXXXXXXX | Compliance | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  |  | Information provided |  |  | 09/30/2021 |  | A | 1 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6164005 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | XXXX percent tolerance violation for the increase in the appraisal fee. XXXXXX provide evidence of $XXX.XX refund, XXX to borrower and XXXX reflecting the cure. | Information provided |  |  | 10/22/2021 |  | A | 1 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1254245 | 972136956223 | XXXXXXXXXXXX | 6248628 | 1061 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation |  |  |  |  |  |  |  | 10/22/2021 B | 2 | XXXXXXXXXX | ME | 1 | 1 D B A C |  | Exempt | 1 |
| 1261327 | 512596117375 | XXXXXXXXXXXX | 6065553 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $XXX.XX for the addition of the XXXXXXXXX XXXXXXXXXXXX XXX on the X/X/XXXX XX. Please provide proof of refund, letter of explanation to the borrower and a post XX reflecting total refund. All must be issued within XX days of closing. | refund provided. |  | Reviewer 10/06/2021 07:42 AM; No documentation provided will clear deficiency. Condition remains. <br>Reviewer 10/13/2021 12:05 PM; Tdoc X/XX XX and XXX provided, however the XXX is not valid. Please provide a more detailed reason for the addition of the appraisal re-inspection fee. Refund may still be required.<br>Client 10/20/2021 08:23 AM; Why is a re-inspection fee not a valid XXX? XXXXXX escalate to your compliance team<br>Reviewer 10/20/2021 10:39 AM; Please provide more details as to why the re-inspection fee was not added until XX/XX. The appraisal is dated XX/XX and there were X additional disclosures prior to the XX/XX in which the re-inspection fee was added. <br>Reviewer 10/20/2021 10:40 AM; Good XXXXXXX, <br> XXXXXX provide more details as to why the re-inspection fee was not added until XX/XX. The appraisal is dated XX/XX and there were X additional disclosures prior to the XX/XX in which the re-inspection fee was added. <br> Thank you, <br> XXXXX <br>Reviewer 10/20/2021 02:01 PM; compliance to review<br>|  | 11/01/2021 | B | 2 | XXXXXXXXXX | NY | 2 | 1 C B A |  | Exempt | 1 |
| 1261327 | 512596117375 | XXXXXXXXXXXX | 6065554 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 11/01/2021 |  | A | 1 | XXXXXXXXXX | NY | 2 | 1 C B A |  | Exempt | 1 |
| 1261327 | 512596117375 | XXXXXXXXXXXX | 6066003 | 824 | XXXXXXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  |  | Docs provided. |  | Reviewer 10/06/2021 07:41 AM; Document provided is not an XXXX title policy. Condition remains. <br>Reviewer 11/01/2021 11:27 AM; Lien XXXXXX provided is only through X/X/XXXX. : XXXX XXXXXX provides an update of each lien and should extend from the effective date of the initial lien search through the date of loan closing X/X/XXXX. No shorter search is acceptable<br>| 11/02/2021 |  | A | 1 | XXXXXXXXXX | NY | 2 | 1 C B A |  | Exempt | 1 |
| 1261327 | 512596117375 | XXXXXXXXXXXX | 6081339 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  | Provide XX month P&L ending within XX days of closing date |  | Exception requested and granted. XX month XXXXXX & XXXX statement ended X/XX/XXXX. P&L expired X/XX/XXXX. Loan closed X/X/XXXX, X day after the P&L expiration date. Compensating factors: P&L only expired by X day, over XX months of post closing reserves, high XXXX (over XXX) , excellent mortgage repayment history (no lates ever reported), XXX under XX%. XXXXX XXXXXXXX XX/X/XXXX. |  |  |  | 11/01/2021 B | 2 | XXXXXXXXXX | NY | 2 | 1 C B A |  | Exempt | 1 |
| 1261327 | 512596117375 | XXXXXXXXXXXX | 6081347 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XX for the sale of XX XXX XXX XXXX XX documenting XXXXXX XXXXXXXX XXX mortgage was paid in full | Closing statement for property address XX XXX XXX XXXX XX received and showing select portfolio being paid off with closing proceeds. |  |  | 10/12/2021 |  | A | 1 | XXXXXXXXXX | NY | 2 | 1 C B A |  | Exempt | 1 |
| 1261327 | 512596117375 | XXXXXXXXXXXX | 6280966 | 1061 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation |  |  | Correction or XXXX made after XX days. No additional requirements. |  | Reviewer 11/01/2021 02:37 PM; Correction or XXXX made after XX days. No additional requirements.<br>|  |  | 11/01/2021 B | 2 | XXXXXXXXXX | NY | 2 | 1 C B A |  | Exempt | 1 |
| 1261327 | 512596117375 | XXXXXXXXXXXX | 6281406 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Fully completed XXX-X for subject transaction | Information provided |  |  | 11/02/2021 |  | A | 1 | XXXXXXXXXX | NY | 2 | 1 C B A |  | Exempt | 1 |
| 1261390 | 508274147583 | XXXXXXXXXXXX | 6093048 | 384 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Provide copy of XXXXXXXX XXXXXXX. | received |  |  | 10/05/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A |  | Exempt | 1 |
| 1261390 | 508274147583 | XXXXXXXXXXXX | 6093049 | 445 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Provide XXX/XXXXXXXXXX/XXX XXXXXXXX's letter stating borrower's position/title, ownership percentage, and business inception date. Letter must be dated and signed on firm's letterhead, and must include signer's contact information. CPA/XXXXXXXXXX/XXX XXXXXXXX must have a valid XXXX (preparer tax identification number). | received |  |  | 10/05/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 D B A |  | Exempt | 1 |
| 1261390 | 508274147583 | XXXXXXXXXXXX | 6093050 | 1017 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Profit and Loss required |  | Provide a signed XX-month XXXXXX & XXXX XXXXXXXXX (P&L) for the period ending within XX days of closing. Profit & XXXX XXXXXXXXX must include attestation confirming no material XXXXX-XX impact on ability to make mortgage payments. |  | Exception request: XX month profit & loss statement ended X/XX/XXXX. P&L XXXXXXX X/XX/XXXX. Loan closed X/X/XXXX, X days after the P&L expiration date. Compensating factors: P&L only expired by X days, over XXX months of post closing reserves, good XXXX score (over XXX). Approved by XXXXXX XXXXXXXX XX/XX/XXXX | Client 10/20/2021 10:31 AM; This has been uploaded since XX/X/XXXX XXXXXX rush review<br>Reviewer 10/20/2021 02:08 PM; P&L not part of the documents uploaded<br>|  |  | 11/15/2021 B | 2 | XXXXXXXXXX | NY | 1 | 1 D B A |  | Exempt | 1 |
| 1261478 | 884846218723 | XXXXXXXXXXXX | 6210644 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $XX due to the additions of XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXX. Please provide proof of refund, XXX to borrower and XXXX reflecting cure. All must be provided within XX days of closing | Information provided |  |  | 10/22/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C B A |  | Exempt | 1 |
| 1261478 | 884846218723 | XXXXXXXXXXXX | 6248633 | 1061 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation |  |  |  |  |  |  |  | 10/22/2021 B | 2 | XXXXXXXXXX | NY | 1 | 1 C B A |  | Exempt | 1 |
| 1261478 | 884846218723 | XXXXXXXXXXXX | 6067948 | 891 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Loan XXXXXXXX dated XX/XX/XXXX is not withing X days of XXXXXXX XXXX dated XX/XX/XXXX | Information provided |  |  | 10/13/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C B A |  | Exempt | 1 |
| 1261478 | 884846218723 | XXXXXXXXXXXX | 6067949 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 10/22/2021 |  | A | 1 | XXXXXXXXXX | NY | 1 | 1 C B A |  | Exempt | 1 |

---

## Exhibit 99.36

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.36**

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 01/11/2023 8:16:31 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1203972 | 460812783687 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | -4.49% | ClearCapital | 0.04 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1203973 | 532363560227 | XXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXXX | XXXXX | 0.59% | XXXXXXXX | 1004 |  |  |  |  |  |  | XXXXXXX | XXXXX | 2.80% | Clear Capital | .049 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1204000 | 242455844086 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXXX | XXXXX | 7.66% | ClearCapital | 0.07 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1215245 | 765369459874 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXXX | XXXXXXX | -31.72% | ClearCapital | 80 | XXXXXXXX | XXXXXXX |  | 0.00% | Pro Teck | Excellent | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1232430 | 214693976583 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXXX | 33.88% | ClearCapital | 0.17 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1232435 | 333364388209 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | -1.41% | ClearCapital |  | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1232438 | 446609732694 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | 0.0 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1254162 | 635188716033 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | 7.41% | ClearCapital | 0.06 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1254175 | 361005614853 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXXX | -7.44% | ClearCapital | 0.07 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1254231 | 554350237199 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXXX | -8.93% | ClearCapital | 5 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1254245 | 972136956223 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1261327 | 512596117375 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXX | 1.19% | ClearCapital | 0.05 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1261390 | 508274147583 | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXX | 3.05% | ClearCapital | 0.04 | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1261478 | 884846218723 | XXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.37

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.37**

---

| |
|:---|
| **Data Compare** |
| **Run Date - 01/11/2023 8:16:31 AM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1203972 | 460812783687 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1203972 | 460812783687 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1203972 | 460812783687 | XXXXXXXXXXXX | Maturity Date |  | 20510301 | Verified |
| 1203972 | 460812783687 | XXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX |  |
| 1203973 | 532363560227 | XXXXXXXXXXXX | Doc Type |  | Alternative Doc |  |
| 1203973 | 532363560227 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1203973 | 532363560227 | XXXXXXXXXXXX | Maturity Date |  | 20510301 | Verified |
| 1203973 | 532363560227 | XXXXXXXXXXXX | Property Type | Single Family | PUD-Detached |  |
| 1204000 | 242455844086 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1204000 | 242455844086 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1204000 | 242455844086 | XXXXXXXXXXXX | Loan Purpose | Refinance | Refinance - Cash Out |  |
| 1204000 | 242455844086 | XXXXXXXXXXXX | Maturity Date |  | 20510301 | Verified |
| 1204000 | 242455844086 | XXXXXXXXXXXX | Qualified Mortgage | N | Y | Verified |
| 1215245 | 765369459874 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1215245 | 765369459874 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1215245 | 765369459874 | XXXXXXXXXXXX | Loan Purpose | Refinance | Refinance - Cash Out |  |
| 1215245 | 765369459874 | XXXXXXXXXXXX | Maturity Date |  | 20510101 | Verified |
| 1215245 | 765369459874 | XXXXXXXXXXXX | Qualified Mortgage | N | Y | Verified |
| 1232430 | 214693976583 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1232430 | 214693976583 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1232430 | 214693976583 | XXXXXXXXXXXX | Maturity Date |  | 20510601 | Verified |
| 1232435 | 333364388209 | XXXXXXXXXXXX | Doc Type |  | Alternative Doc |  |
| 1232435 | 333364388209 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1232435 | 333364388209 | XXXXXXXXXXXX | Maturity Date |  | 20510601 | Verified |
| 1232438 | 446609732694 | XXXXXXXXXXXX | Doc Type |  | Alternative Doc |  |
| 1232438 | 446609732694 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1232438 | 446609732694 | XXXXXXXXXXXX | Maturity Date |  | 20510601 | Verified |
| 1254162 | 635188716033 | XXXXXXXXXXXX | Co-Borrower Self-employment Flag | Y | N | Verified |
| 1254162 | 635188716033 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1254162 | 635188716033 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1254162 | 635188716033 | XXXXXXXXXXXX | Loan Purpose | Refinance | Refinance - Cash Out |  |
| 1254162 | 635188716033 | XXXXXXXXXXXX | Maturity Date |  | 20510601 | Verified |
| 1254175 | 361005614853 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1254175 | 361005614853 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1254175 | 361005614853 | XXXXXXXXXXXX | Index Type |  | 30DayAverageSOFR | Verified |
| 1254175 | 361005614853 | XXXXXXXXXXXX | Margin | 350.00 | 3.50 | Verified |
| 1254175 | 361005614853 | XXXXXXXXXXXX | Maturity Date |  | 20510601 | Verified |
| 1254175 | 361005614853 | XXXXXXXXXXXX | Original P&I | 135000.00 | 798.58 | Verified |
| 1254231 | 554350237199 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1254231 | 554350237199 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1254231 | 554350237199 | XXXXXXXXXXXX | Maturity Date |  | 20510801 | Verified |
| 1254231 | 554350237199 | XXXXXXXXXXXX | Qualified Mortgage | N | Y | Verified |
| 1254231 | 554350237199 | XXXXXXXXXXXX | Self-Employment Flag | N | Y |  |
| 1254245 | 972136956223 | XXXXXXXXXXXX | Doc Type |  | Alternative Doc |  |
| 1254245 | 972136956223 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1254245 | 972136956223 | XXXXXXXXXXXX | Maturity Date |  | 20510801 | Verified |
| 1261327 | 512596117375 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1261327 | 512596117375 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1261327 | 512596117375 | XXXXXXXXXXXX | Index Type |  | 30DayAverageSOFR | Verified |
| 1261327 | 512596117375 | XXXXXXXXXXXX | Maturity Date |  | 20510601 | Verified |
| 1261327 | 512596117375 | XXXXXXXXXXXX | Original P&I | 255500.00 | 1450.70 | Verified |
| 1261327 | 512596117375 | XXXXXXXXXXXX | Qualifying Credit Score | XXX |  |  |
| 1261390 | 508274147583 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1261390 | 508274147583 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1261390 | 508274147583 | XXXXXXXXXXXX | Maturity Date |  | 20510701 | Verified |
| 1261478 | 884846218723 | XXXXXXXXXXXX | Doc Type |  | Reduced Doc |  |
| 1261478 | 884846218723 | XXXXXXXXXXXX | First Payment Date |  |  | Verified |
| 1261478 | 884846218723 | XXXXXXXXXXXX | Maturity Date |  | 20510801 | Verified |
| 1261478 | 884846218723 | XXXXXXXXXXXX | Qualified Mortgage | N | Y | Verified |

---

## Exhibit 99.38

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.38**

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 01/11/2023 8:16:31 AM** |

---

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1203972 | 460812783687 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  | No |  |
| 1203973 | 532363560227 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | No |  |
| 1204000 | 242455844086 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | Yes | $14728.25 |
| 1215245 | 765369459874 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | No |  |
| 1232430 | 214693976583 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien |  | No |  |
| 1232435 | 333364388209 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | No |  |
| 1232438 | 446609732694 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | Non Permanent Resident Alien |  | No |  |
| 1254162 | 635188716033 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed | Not Required | US Citizen | US Citizen | No |  |
| 1254175 | 361005614853 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | No |  |
| 1254231 | 554350237199 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | Permanent Resident Alien |  | No |  |
| 1254245 | 972136956223 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | No |  |
| 1261327 | 512596117375 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | No |  |
| 1261390 | 508274147583 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX | No |  |  | 0.00% | Self-Employed |  | US Citizen |  | No |  |
| 1261478 | 884846218723 | XXXXXXXXXXXX | Exempt | No | XXXXXXXXXX |  |  |  | 0.00% | Self-Employed |  | US Citizen |  | Yes | $143710.86 |

---

## Exhibit 99.39

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.39**

![](ex9939001.jpg)

1 \| P a g e

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 13.0 |
| Tape Integrity Review Results Summary | 14.0 |
| Additional Loan Population Summary | 14.0 |

---

1 \| P a g e

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| P a g e

**Description of the due diligence performed**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Blue River Mortgage III LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of four (4) mortgage loans that were originally reviewed from January 2022 to March 2022.

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

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

▪ "Compliance Review": 4 Mortgage Loans

**▪** "Credit Review": 4 Mortgage Loans

**▪** "Property Review" 4 Mortgage Loans

**▪** "Data Integrity" 4 Mortgage Loans

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

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

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

For four (4) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

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

Infinity conducted a credit review for four (4) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

3 \| P a g e

The loans were originated to HomeXpress Mortgage Guidelines 2021-10-01 Final.

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

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

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

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

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

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

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

4 \| P a g e

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

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

**Title Review:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for four (4) mortgage loans. For these four (4) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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

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

5 \| P a g e

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

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

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

Infinity completed a Compliance Review on four (4) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

6 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

7 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such
 changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

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&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained
 the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Infinity reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Infinity does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

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&nbsp;&nbsp;&nbsp;&nbsp;

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

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&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (4 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers four (4) mortgage loans. Within those mortgage loans, Infinity graded three (3) mortgage loans as "A" and one (1) mortgage loan as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (4 Mortgage Loans)**

Of the four (4) mortgage loans reviewed, 0 (0.00%) mortgage loans had tape discrepancies across zero (0) unique data fields.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**% # Loans** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (4 Mortgage Loans)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1451000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1451000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1451000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1451000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$408000.00 | &nbsp;&nbsp;28.12% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$580000.00 | &nbsp;&nbsp;39.97% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$463000.00 | &nbsp;&nbsp;31.91% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1451000.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1451000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1451000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1451000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1451000.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.40

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.40**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Tape Discrepancies** | **Tape Discrepancies** | **Tape Discrepancies** |  |  |  |  |  |  |
| **Scienna Id** | **Loan #1** | **Loan #2** **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |

---

## Exhibit 99.41

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.41**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Marketing ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| HDF3HBT4OUL | xx | 711733747632 |  | xx | Virginia | xx | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | HDF3HBT4OUL-CLX276QA | Resolved | 3 | R | \* ROR not hand dated by borrower(s) (Lvl R) | Right of Rescission incomplete due to missing expiration date, signed and hand dated by the borrowers.<br>01/27/2022 - Received both borrowers signed & dated ROR. Condition has been resolved. | 01/27/2022 - Received both borrowers signed & dated ROR. Condition has been resolved. | 01/27/2022 - Received both borrowers signed & dated ROR. Condition has been resolved. |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 01/25/2022 |
| HDF3HBT4OUL | xx | 711733747632 |  | xx | Virginia | xx | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | HDF3HBT4OUL-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.671% Allowed: 4.670% Overby: +0.001%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 12/15/2022 |
| 11OTJXHVMRR | xx | 789507713564 |  | xx | Maryland | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | 11OTJXHVMRR-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the MD COMAR higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> Code of Maryland Regulations (COMAR). While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>MD COMAR Higher-Priced Mortgage Loan Test: FAIL Charged: 5.249% Allowed: 4.670% Overby: +0.579%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR<br> 09.03.09.02B(6). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR<br> 09.03.09.02B(6). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR<br> 09.03.09.02B(6). |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 12/15/2022 |
| 11OTJXHVMRR | xx | 789507713564 |  | xx | Maryland | xx | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | 11OTJXHVMRR-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 5.249% Allowed: 4.670% Overby: +0.579%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 12/15/2022 |
| CVQPFZZNEZR | xx | 811964698810 |  | xx | New Jersey | xx | Refinance | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | CVQPFZZNEZR-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 6.013% Allowed: 4.780% Overby: +1.233%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 12/15/2022 |
| CVQPFZZNEZR | xx | 811964698810 |  | xx | New Jersey | xx | Refinance | Non-QM/Compliant | 3 | 2 | Legal Docs | Doc Issue | CVQPFZZNEZR-HI5N7YPL | Resolved | 3 | R | \* Mortgage missing / unexecuted (Lvl R) | Deed of trust (Mortgage) is present in loan file however borrower signature is missing. Provide Deed of trust/ Mortgage document along with signatures.<br>3/4/2022 - Received DOT document and condition has been resolved | 3/4/2022 - Received DOT document and condition has been resolved | 3/4/2022 - Received DOT document and condition has been resolved |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 03/01/2022 |
| CVQPFZZNEZR | xx | 811964698810 |  | xx | New Jersey | xx | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | CVQPFZZNEZR-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Approved guideline exception in file to use Private VOR due to missing checks for the missing months of Feb and March. |  |  | Reserves: $75k<br>DTI: 7.34/7.56<br>FICO: 757<br>Years on Job: 7<br>Mortgage History: Mortgage is on time |  | QC Complete | 12/15/2022 |  |  | 03/02/2022 |
| 4MLWVTNOTJS | xx | 772633360846 |  | xx | California | xx | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | 4MLWVTNOTJS-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | As per guideline 'xx Mortgage Guidelines 2021-10-01 Final' Citizenship "Non-permanent resident alien" is not permitted under the Corex loan program.<br>02/16/2022 - Received LOX, ITIN assignment document & borrower ID as this is an ITIN program. Condition has been resolved. | 02/16/2022 - Received LOX, ITIN assignment document & borrower ID as this is an ITIN program. Condition has been resolved. | 02/16/2022 - Received LOX, ITIN assignment document & borrower ID as this is an ITIN program. Condition has been resolved. |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 02/14/2022 |
| 4MLWVTNOTJS | xx | 772633360846 |  | xx | California | xx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 4MLWVTNOTJS-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 5.771% Allowed: 4.780% Overby: +0.991%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 02/11/2022 |
| 4MLWVTNOTJS | xx | 772633360846 |  | xx | California | xx | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 4MLWVTNOTJS-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 5.771% Allowed: 4.780% Overby: +0.991%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 12/15/2022 | 12/15/2022 | 12/15/2022 | 12/15/2022 |

---

## Exhibit 99.42

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.42**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Marketing ID** | **Seller Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Valuation Comments** | **General Comments** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xx | 711733747632 |  | xx | Virginia | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 4.671% Allowed: 4.670% Overby: +0.001%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) ROR not hand dated by borrower(s) - EV R<br> COMMENT: Right of Rescission incomplete due to missing expiration date, signed and hand dated by the borrowers.<br>01/27/2022 - Received both borrowers signed & dated ROR. Condition has been resolved. |  |  | Appraisal has provided 3 comps to support the opinion of value<br> Appraisal has ticked on As Is on xx. With the appraised value xx |  | Single Family | xx | xx | xx | Primary | Refinance | 749 | 3 | xx | 23 | $4542.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.953% |  | Full Documentation | QC Complete | 12/15/2022 |
| xx | 789507713564 |  | xx | Maryland | Non-QM/Compliant | 2 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 5.249% Allowed: 4.670% Overby: +0.579%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the MD COMAR higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> Code of Maryland Regulations (COMAR). While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>MD COMAR Higher-Priced Mortgage Loan Test: FAIL Charged: 5.249% Allowed: 4.670% Overby: +0.579%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR<br> 09.03.09.02B(6). |  |  | Appraisal verified with 6 comparables |  | Single Family | xx | xx | xx | Primary | Purchase | 733 |  | xx | 11.1 | $12454.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: |  | 22.701% | Yes | Alternative | QC Complete | 12/15/2022 |
| xx | 811964698810 |  | xx | New Jersey | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 6.013% Allowed: 4.780% Overby: +1.233%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: Deed of trust (Mortgage) is present in loan file however borrower signature is missing. Provide Deed of trust/ Mortgage document along with signatures.<br>3/4/2022 - Received DOT document and condition has been resolved | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Approved guideline exception in file to use Private VOR due to missing checks for the missing months of Feb and March. | Reserves: $75k<br>DTI: 7.34/7.56<br>FICO: 757<br>Years on Job: 7<br>Mortgage History: Mortgage is on time | Value Supported #6 comparables |  | Single Family | xx | xx | xx | Primary | Refinance | 757 | 0.66 | xx | 22 | $28846.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 7.791% |  | Alternative | QC Complete | 12/15/2022 |
| xx | 772633360846 |  | xx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Higher-Priced Mortgage Loan test Fail - EV R<br> COMMENT: This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: 5.771% Allowed: 4.780% Overby: +0.991%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>\*\*\* (CURED) Higher Price Mortgage Loan - EV R<br> COMMENT: This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: 5.771% Allowed: 4.780% Overby: +0.991%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>\*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: As per guideline 'xx Mortgage Guidelines 2021-10-01 Final' Citizenship "Non-permanent resident alien" is not permitted under the Corex loan program.<br>02/16/2022 - Received LOX, ITIN assignment document & borrower ID as this is an ITIN program. Condition has been resolved. |  |  | Appraisal has provided 5 comps to support the opinion of value. Appraisal has ticked on AS IS xx with the appraised value xx. |  | Single Family | xx | xx | xx | Primary | Purchase | 770 |  | xx | 8 | $17992.14 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.723% | No | Alternative | QC Complete | 12/15/2022 |

---

## Exhibit 99.43

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.43**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Marketing ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| xx | 789507713564 | xx | Maryland | xx | Primary | Purchase A B CA | RB | RA | VA | VA |
| xx | 772633360846 | xx | California | xx | Primary | Purchase A C B CC CA | RB | RA | VA | VA |
| xx | 811964698810 | xx | New Jersey | xx | Primary | Refinance B A D CD CB | RB | RA | VA | VA |
| xx | 711733747632 | xx | Virginia | xx | Primary | Refinance A D B CD CA | RB | RA | VA | VA |

---

## Exhibit 99.44

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.44**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity ID** | **Customer Loan #** | **Marketing ID** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| HDF3HBT4OUL | xx | 711733747632 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| 11OTJXHVMRR | xx | 789507713564 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.8 |
| CVQPFZZNEZR | xx | 811964698810 |  | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.4 |
| 4MLWVTNOTJS | xx | 772633360846 |  | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |

---

## Exhibit 99.45

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.45**

![](ex9945001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Blue River Mortgage III LLC (the "Client"). The Review took place from 09/2021 to 11/2021 on Loans with origination dates from 03/2021 to 07/2021 through files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.** 

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 3 Loans totaling an original principal balance of approximately $2,017,400. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 3 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

**Determination of the sample size and computation.** 

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**Quality of information or data about the assets: review and methodology.** 

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (36 Fields)** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;LOAN NUMBER | &nbsp;&nbsp;LOAN TYPE | &nbsp;&nbsp;LAST NAME |
| &nbsp;&nbsp;FIRST NAME | &nbsp;&nbsp;FUNDED DATE | &nbsp;&nbsp;PROPERTY ADDRESS |
| &nbsp;&nbsp;PROPERTY CITY | &nbsp;&nbsp;PROPERTY STATE | &nbsp;&nbsp;PROPERTY ZIP |
| &nbsp;&nbsp;SSN | &nbsp;&nbsp;LOAN AMOUNT | &nbsp;&nbsp;MARGIN |
| &nbsp;&nbsp;APPRAISED VALUE | &nbsp;&nbsp;LTV | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;LOAN PURPOSE | &nbsp;&nbsp;PROPERTY TYPE | &nbsp;&nbsp;AMORT TYPE |
| &nbsp;&nbsp;PROGRAM | &nbsp;&nbsp;OCCUPANCY | &nbsp;&nbsp;UNITS |
| &nbsp;&nbsp;TERM | &nbsp;&nbsp;LIEN | &nbsp;&nbsp;INTEREST RATE |
| &nbsp;&nbsp;SCORE |  |  |

---

**Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (3 Loans)**

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

![](ex9945001.jpg)

**Credit Application:** For the Credit Application, TSG verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** TSG's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as required by guidelines, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** TSG determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** TSG assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, TSG completed a review of large deposits and completed the reserve calculation. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** TSG confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** As part of the review, TSG verified the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** TSG reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, TSG conditioned the mortgage loan for the missing fraud report product.

![](ex9945001.jpg)

If a report was present, TSG reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, TSG confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** TSG's review included a review of the chain of title and the time duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** TSG reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats or other applicable approved formats at the time of origination.

TSG also verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines (if required by loan product guidelines).

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp;Identification / proof of residency status | &nbsp;&nbsp;Rent History\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

**Value of collateral securing the assets: review and methodology.**

TSG's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been obtained from the appropriate authorities.

![](ex9945001.jpg)

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Additional facets of TSG's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

**Residential Population (3 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While TSG continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged TSG to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by TSG are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

![](ex9945001.jpg)

TSG reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR
 to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

![](ex9945001.jpg)

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, TSG reviewed the relevant documents in the mortgage loan file and, as
 necessary, attempted to obtain the mortgage loan originator compensation agreement and/or
 governing policies and procedures of the mortgage loan originator. In the absence of
 the mortgage loan originator compensation agreement and/or governing policies and procedures,
 TSG's review was limited to formal general statements of entity compliance provided
 by the mortgage loan originator, if any. These statements, for example, were in the form
 of a letter signed by the seller correspondent/mortgage loan originator or representations
 in the mortgage loan purchase agreement between the Client and seller correspondent.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such
 changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

![](ex9945001.jpg)

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained
 the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

![](ex9945001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

TSG reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

![](ex9945001.jpg)

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, TSG then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

**General Ability to Repay**

TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

TSG reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). TSG does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(VIII) Federal and state specific late charge and prepayment penalty provisions.**

**(IX) Recording Review**

TSG noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time TSG reviewed the mortgage loans and thus have not yet been recorded. TSG verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

![](ex9945001.jpg)

**(X) FIRREA Review**

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

**(XI) Document Review**

TSG reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Underwriting
 summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T
 and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;■ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
 disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;■ Notice
 of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;■ HUD
 from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
 other disclosures related to the enumerated tests set forth herein.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

![](ex9945001.jpg)

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the 3 Loans, 100% of the Loans received an "A" compliance grade and 0 Loans (0%) received a compliance grade of "B" or "C." The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

![](ex9945001.jpg)

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 52 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;AllOtherPayments | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1MaritalStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SelfEmploymentFlag | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2MaritalStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2SelfEmploymentFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2TotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CashtoClose | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanType | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;MonthlyHOADollar | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;NoteType | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyRights | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingHLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingHousingDebtincomeRatio | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QualifyingTotalReservesNumberofMonths | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;TotalMonthlyPropertyInsuranceAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;TotalQualifiedAssetPostClose | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;TotalQualifiedAssetsforReservesPostClose | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |

---

![](ex9945001.jpg)

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$2017400.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2017400.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$2017400.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2017400.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$2017400.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2017400.00** | &nbsp;&nbsp;**100.0%** |

---

![](ex9945001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1275200.00 | &nbsp;&nbsp;63.21% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$742200.00 | &nbsp;&nbsp;36.79% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2017400.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$742200.00 | &nbsp;&nbsp;36.79% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1275200.00 | &nbsp;&nbsp;63.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2017400.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;TX | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$742200.00 | &nbsp;&nbsp;36.79% |
| &nbsp;&nbsp;CA | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1275200.00 | &nbsp;&nbsp;63.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$2017400.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.46

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.46**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 687995491274 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| 771629011413 |  | C A B | Closed | finding-3632 | REDACTED | REDACTED | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-REDACTED DATE<br> Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-REDACTED DATE |  | Resolved-Resolved - Due Diligence Vendor-REDACTED DATE<br> Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-REDACTED DATE |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| 771629011413 |  | C A B | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-01/20/2022 <br> Ready for Review-7/22 COC CD was issued for lowered loan amount and rate to 4.575% with 0.60% discount points buy down. See attached COC CD - Due Diligence Vendor-01/19/2022 <br> Acknowledged-Acknowledged - Due Diligence Vendor-11/19/2021 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED AMOUNT.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures .An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-REDACTED DATE |  | Acknowledged-Acknowledged - Due Diligence Vendor-REDACTED DATE |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| 771629011413 |  | C A B | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-01/20/2022 <br>Ready for Review-7/22 COC CD was issued for lowered loan amount and rate to 4.575% with 0.60% discount points buy down. See attached COC CD - Due Diligence Vendor-01/19/2022 <br>Acknowledged-Acknowledged - Due Diligence Vendor-11/19/2021 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/24/2021 |  | Acknowledged-Acknowledged - Due Diligence Vendor-REDACTED DATE |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| 771629011413 |  | C A B | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information B A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED AMOUNT is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED DATE<br> Open-Title Coverage Amount of REDACTED AMOUNT is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED DATE |  | Resolved-Title Coverage Amount of REDACTED AMOUNT is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED DATE |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| 529867953782 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |

---

## Exhibit 99.47

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.47**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 687995491274 |  | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .000 | ClearCapital | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 771629011413 |  | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .000 | Clear Capital | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 529867953782 |  | REDACTED |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | 0.0 | .000 | Clear Capital | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |

---

## Exhibit 99.48

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.48**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Marketing ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 687995491274 |  |  | REDACTED |
| 771629011413 |  |  | REDACTED B |
| 529867953782 |  |  | REDACTED |

---

## Exhibit 99.49

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.49**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 98 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 |
| **Marketing ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** |
| 687995491274 |  |  | 30YR Fixed Non-Agency Alt Inc | REDACTED | No |  |  | REDACTED |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11995 |  | 3.030% | Manual Underwriting | Manual Underwriting | No | 4.718% |  | 4.475% | 4.600% | $2424.96 | $9220.20 | $768.35 | $1103.56 | $91.96 | $0.00 | $0.00 | $3285.27 |  |  |  | $0.00 |  | Monthly | 39.31% | 39.11% | 39.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 | 0 | NA | N/A |  | N/A |  | 2 | 0 | 0 | 0 | 0 | 0 NA | No | No |  | No | No | N/A |  |  | No | N/A |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 5 |  | N/A | N/A | NA | NA | 0 | NA |  |  | N/A | NA |  |  | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified | Borrower - 2 YRS Personal Tax Returns Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  |  |  |  |  | 0 |  |  | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  |
| 771629011413 |  |  | 30 YR FIXED NON-AGENCY ALTERNATE INCOME | REDACTED | No |  |  | REDACTED | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14218.2 |  | 3.070% | Manual Underwriting | Manual Underwriting | No | 4.573% |  | 4.575% | 4.575% | $4064.68 | $13437.48 | $1119.79 | $1903.00 | $158.58 | $0.00 | $0.00 | $5343.05 |  |  |  | $0.00 |  | Monthly | 48.80% | 47.91% | 47.91% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | 1 Month NA | N/A |  | N/A |  | 2 | 0 | 2 | 0 | 1 | 2 NA | No | No |  | No | No | N/A |  |  | No | N/A |  |  | 0.00% | 100.00% | 0.00% | Proceeds from Sale | N/A |  | N/A | N/A | N/A | NA | NA | 0 | Yes | 36 | 36 | Other | Yes | 36 | 36 | Other | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  |  |  |  |  | 0 |  |  | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  |
| 529867953782 |  |  | Fannie Mae | REDACTED | No |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11301.16 |  | 2.720% | DU | Approve Ineligible | No | 2.751% |  | 2.750% | 2.750% | $3029.97 | $17879.64 | $1489.97 | $5028.66 | $419.06 | $150.00 | $0.00 | $5089.00 |  | REDACTED |  | $150.00 | REDACTED | Monthly | 42.45% | 42.00% | 42.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 2+ Months NA | N/A |  | N/A |  | 2 | 2 | 0 | 0 | 3 | 1 NA | No | No |  | No | No | N/A |  |  | No | N/A |  |  | 0.00% | 100.00% |  |  | N/A |  | N/A | N/A | N/A | NA | NA | 0 | NA |  |  | N/A | NA |  |  | N/A | No | 0 |  | N/A | Borrower - Wage, SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2019, 2018 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2019, 2018 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  |  |  |  |  | 0 |  |  | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  |

---

## Exhibit 99.50

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.50**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 687995491274 | REDACTED | Note Date | notePage | REDACTED | REDACTED |  |
| 687995491274 | REDACTED | Cash to Close | finalCdDetailPage | 208474.93 | 209115.22 |  |
| 687995491274 | REDACTED | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 39.11 | 39.319 |  |
| 687995491274 | REDACTED | All Other Payments | creditLiabilitiesPage | 0 | 3302.59 |  |
| 687995491274 | REDACTED | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.11 | 39.319 |  |
| 687995491274 | REDACTED | Borrower 1 Citizen | the1003Page | Non Permanent Resident Alien | US Citizen |  |
| 687995491274 | REDACTED | Qualifying Total Reserves Number of Months | assetPage | 22.88 | 15 |  |
| 687995491274 | REDACTED | Borrower 1 SSN | the1003Page | REDACTED | REDACTED |  |
| 687995491274 | REDACTED | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | true |  |
| 687995491274 | REDACTED | Amortization Term | notePage | 360 | 0 |  |
| 687995491274 | REDACTED | Total Qualified Assets for Reserves Post-Close | assetPage | 75181.71 | 50397.5234 |  |
| 771629011413 | REDACTED | Loan Type | the1003Page | Other | Conventional |  |
| 771629011413 | REDACTED | Note Date | notePage | REDACTED | REDACTED |  |
| 771629011413 | REDACTED | Borrower 1 SSN | the1003Page | REDACTED | REDACTED |  |
| 771629011413 | REDACTED | Total Qualified Assets Post-Close | assetPage | 413313.88 | 416071.44 |  |
| 771629011413 | REDACTED | Borrower 1 Total Income | the1003Page | 10381.94 | 10382.27 |  |
| 771629011413 | REDACTED | Borrower 2 SSN | the1003Page | REDACTED | REDACTED |  |
| 771629011413 | REDACTED | Cash to Close | finalCdDetailPage | 11061.83 | 10721.9 |  |
| 771629011413 | REDACTED | All Other Payments | creditLiabilitiesPage | 2094.73 | 7576.97 |  |
| 771629011413 | REDACTED | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.91 | 48.09 |  |
| 771629011413 | REDACTED | Amortization Term | notePage | 360 | 0 |  |
| 771629011413 | REDACTED | Total Qualified Assets for Reserves Post-Close | assetPage | 413313.88 | 132561.0705 |  |
| 771629011413 | REDACTED | Borrower 1 Self-Employment Flag | employmentIncomePage | No | false |  |
| 771629011413 | REDACTED | Qualifying Total Reserves Number of Months | assetPage | 77.36 | 25 |  |
| 771629011413 | REDACTED | Borrower 2 Self-Employment Flag | the1003Page | No | false |  |
| 529867953782 | REDACTED | Application Date | the1003Page | REDACTED | REDACTED |  |
| 529867953782 | REDACTED | Total Qualified Assets for Reserves Post-Close | assetPage | 482447.07 | 167308.01 |  |
| 529867953782 | REDACTED | Loan Amount/Draw Amount | notePage | REDACTED | REDACTED |  |
| 529867953782 | REDACTED | Qualifying Total Reserves Number of Months | assetPage | 94.8 | 80 |  |
| 529867953782 | REDACTED | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42 | 42.452 |  |
| 529867953782 | REDACTED | Note Date | notePage | REDACTED | REDACTED |  |
| 529867953782 | REDACTED | Borrower 1 Self-Employment Flag | employmentIncomePage | No | false |  |
| 529867953782 | REDACTED | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 14.66 | 14.814 |  |
| 529867953782 | REDACTED | All Other Payments | creditLiabilitiesPage | 2437 | 14583.43 |  |
| 529867953782 | REDACTED | Total Qualified Assets Post-Close | assetPage | 491318.14 | 407637.57 |  |
| 529867953782 | REDACTED | Amortization Term | notePage | 360 | 0 |  |

---

## Exhibit 99.51

[GCAT 2023-NQM1 Trust ABS-15G](nqm1-abs15g_011323.htm)

**Exhibit 99.51**

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| **Marketing ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 687995491274 |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation |  | No | Yes | No | No | false | No | No | No | No | No | 11995 | 4.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | Yes | Employed |  | No |  | No | N/A |
| 771629011413 |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Pass | Yes | No | No | No | false | No | No | No | No | No | 14218.2 | 4.573 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No | N/A |
| 529867953782 |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | No | No | No | false | No | No | No | No | No | 11301.16 | 2.751 | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No | N/A |

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