# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0001104659-25-066328
**Filing Date:** 2025-7
**Character Count:** 1215462
**Document Hash:** 957777b88f7f65b9fcc5f1f84b22b138
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-066328.hdr.sgml**: 20250708

**ACCESSION NUMBER**: 0001104659-25-066328

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

**PUBLIC DOCUMENT COUNT**: 22

**CONFORMED PERIOD OF REPORT**: 20250708

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

**FILED AS OF DATE**: 20250708

**DATE AS OF CHANGE**: 20250708

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 251110034

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 352170972

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

Date of Report (Date of earliest event reported): ______________

Commission File Number of securitizer: ______________

Central Index Key Number of securitizer: ______________

<u> </u>

Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2025-7</u>

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

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

Central Index Key Number of underwriter (if applicable): N/A

<u>Ashley Templeton, (303) 376-3688</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

**INFORMATION TO BE INCLUDED IN THE REPORT**

---

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

---

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

**SIGNATURES**

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

Dated: July 8, 2025

---

| | | |
|:---|:---|:---|
| SEQUOIA RESIDENTIAL FUNDING, INC.<br> (Depositor) | SEQUOIA RESIDENTIAL FUNDING, INC.<br> (Depositor) | SEQUOIA RESIDENTIAL FUNDING, INC.<br> (Depositor) |
| By: | /s/ Jeremy Strom | /s/ Jeremy Strom |
|  | Name: | Jeremy Strom |
|  | Title: | Authorized Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

---

| | |
|:---|:---|
| [99.1](tm2519742d1_ex99-1.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2519742d1_ex99-1.htm) |
| [99.2](tm2519742d1_ex99-2.htm) | [Clayton Loan Level Tape Compare Upload](tm2519742d1_ex99-2.htm) |
| [99.3](tm2519742d1_ex99-3.htm) | [Clayton Rating Agency ATR QM Data Fields](tm2519742d1_ex99-3.htm) |
| [99.4](tm2519742d1_ex99-4.htm) | [Clayton ATR QM Upload](tm2519742d1_ex99-4.htm) |
| [99.5](tm2519742d1_ex99-5.htm) | [Clayton Valuations Summary](tm2519742d1_ex99-5.htm) |
| [99.6](tm2519742d1_ex99-6.htm) | [Clayton Conditions Report 2.0](tm2519742d1_ex99-6.htm) |
| [99.7](tm2519742d1_ex99-7.htm) | [Clayton Waived Conditions Summary](tm2519742d1_ex99-7.htm) |
| [99.8](tm2519742d1_ex99-8.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2519742d1_ex99-8.htm) |
| [99.9](tm2519742d1_ex99-9.htm) | [AMC Loan Securitization Report Set](tm2519742d1_ex99-9.htm) |
| [99.10](tm2519742d1_ex99-10.htm) | [Consolidated Analytics,Inc ("Consolidated Analytics") Executive Summary](tm2519742d1_ex99-10.htm) |
| [99.11](tm2519742d1_ex99-11.htm) | [Consolidated Analytics Due Diligence Standard Report](tm2519742d1_ex99-11.htm) |
| [99.12](tm2519742d1_ex99-12.htm) | [Consolidated Analytics Rating Agency Grades Summary Report](tm2519742d1_ex99-12.htm) |
| [99.13](tm2519742d1_ex99-13.htm) | [Consolidated Analytics Valuations Report](tm2519742d1_ex99-13.htm) |
| [99.14](tm2519742d1_ex99-14.htm) | [Consolidated Analytics Data Compare Report](tm2519742d1_ex99-14.htm) |

---

## Exhibit 99.1

**Exhibit 99.1**

**EXHIBIT 99.1 CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT**

![](tm2519742d1_ex99-1img001.jpg)

![](tm2519742d1_ex99-1img01.jpg)

**Due Diligence Narrative Report <br> June 30, 2025**

![](tm2519742d1_ex99-1img003.jpg)

&nbsp;&nbsp;**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 6 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 6 |
| **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** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

SEMT 2025-7 Due Diligence Narrative Report Page \| 1 June 30, 2025

![](tm2519742d1_ex99-1img003.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](tm2519742d1_ex99-1img004.jpg) | **Chris Turk** | Client Service Manager |

---

Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](tm2519742d1_ex99-1img004.jpg) | **Joe Ozment** | Director of Securitization |

---

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

**Overview**

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 132 residential loans selected for the SEMT 2025-7 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from February 2025 to June 2025 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;&nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;&nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Broker** | **17** | **12.88%** |
| &nbsp;&nbsp;**Retail** | **115** | **87.12%** |
| &nbsp;&nbsp;**Total** | **132** | **100.00%** |

---

**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 were 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."

<sup>1</sup> Standard and Poor's, Moody's, Fitch, Kroll , DBRS & Morningstar

SEMT 2025-7 Due Diligence Narrative Report Page \| 2 June 30, 2025

![](tm2519742d1_ex99-1img003.jpg)

Sampling

For all originators in this transaction the loans received a Full Review. For Redwood Trust all of the loans were selected for a Full review and the remaining loans received a "Limited Review" as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count<br> Reviewed by<br> Clayton***  | ***Scope Applied*** |
| **Full Review** | 132 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 3 | Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 135 |  |

---

Sponsor Acquisition Criteria

The loans were originated to Redwood/Jumbo Program Eligibility Guide Select QM Version 2.3, 2.4, 2.5, 2.8, 2.9

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, Morningstar, Kroll and DBRS.

SEMT 2025-7 Due Diligence Narrative Report Page \| 3 June 30, 2025

![](tm2519742d1_ex99-1img003.jpg)

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 ordered and received by Clayton for income,
 employment, Nationwide Multistate 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

---

| |
|:---|
| 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

Clayton 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:

---

| |
|:---|
| For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan. |
| Clayton did not have independent access to any valuation products ordered by the Sellers. |
| Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product. |

---

SEMT 2025-7 Due Diligence Narrative Report Page \| 4 June 30, 2025

![](tm2519742d1_ex99-1img003.jpg)

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 all loans in the pool. 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. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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. However, client reserves the right to review on a case-by- case basis.

---

| |
|:---|
| 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. |

---

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.

SEMT 2025-7 Due Diligence Narrative Report Page \| 5 June 30, 2025

![](tm2519742d1_ex99-1img003.jpg)

On, June 15th, 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.

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all loans in this transaction.

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

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

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

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

SEMT 2025-7 Due Diligence Narrative Report Page \| 6 June 30, 2025

![](tm2519742d1_ex99-1img001.jpg)

**Data Compare Results**

Clayton provided Redwood Trust 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;**#** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Combined LTV | 12 | 90.91% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 42 | 68.18% |
| &nbsp;&nbsp;Note Rate | 2 | 98.48% |
| &nbsp;&nbsp;Occupancy Type | 1 | 99.24% |
| &nbsp;&nbsp;Original LTV | 11 | 91.67% |

---

Clayton received the following data fields listed below from RWT and provided a summary of the discrepancies above. We did not include the deltas found for borrower names and addresses for PII purposes.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Data Provided** | &nbsp;&nbsp;**Clayton provided Delta's** |
| &nbsp;&nbsp;**Borrower 1 First Time Home Buyer** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Combined LTV** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Debt to Income Ratio** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Note Rate** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Occupancy Type** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Original LTV** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Prepay Penalty Term** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Representative Credit Score for Grading** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Sales Price** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Borrower 1 First Name** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Borrower 1 Last Name** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Property Street Address** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;**No** |

---

SEMT 2025-7 Due Diligence Narrative Report Page \| 7 June 30, 2025

![](tm2519742d1_ex99-1img001.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.

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;56 | &nbsp;&nbsp;4 | &nbsp;&nbsp;15 | &nbsp;&nbsp;27 | &nbsp;&nbsp;**102** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;5 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**40** | &nbsp;&nbsp;**132** |

---

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**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;82 | &nbsp;&nbsp;6 | &nbsp;&nbsp;9 | &nbsp;&nbsp;21 | &nbsp;&nbsp;**118** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;4 | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;**12** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  | &nbsp;&nbsp;1 |  | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  | &nbsp;&nbsp;1 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**132** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;127 |  |  | &nbsp;&nbsp;5 | &nbsp;&nbsp;**132** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**127** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**132** |

---

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;87 | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;13 | &nbsp;&nbsp;**113** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;3 | &nbsp;&nbsp;**14** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**87** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**132** |

---

SEMT 2025-7 Due Diligence Narrative Report Page \| 8 June 30, 2025

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**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;4. ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;5. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;6. HOA Report

&nbsp;&nbsp;&nbsp;&nbsp;7. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;8. Rating Agency ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;9. Sale Report

&nbsp;&nbsp;&nbsp;&nbsp;10. Valuations Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;11. Waived Conditions Summary Report

SEMT 2025-7 Due Diligence Narrative Report Page \| 9 June 30, 2025

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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:

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

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

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

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

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

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

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

– Citizenship status <br> – Non- occupant co-borrower

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

---

| |
|:---|
| Maximum loan amount |
| Loan purpose |
| Occupancy |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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:

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

– Initial loan application was in the loan file and was signed by all borrowers <br> – Final loan application was in the loan file and was complete <br> – Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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 |

---

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

– Required income documentation for all borrowers was present and within required time period <br> – Documents did not appear to have been altered or inconsistent <br> – 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

▪ Financial statements

▪ Paystubs

▪ W-2s

SEMT 2025-7 Due Diligence Narrative Report Page \| 10 June 30, 2025

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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;▪ 1099

&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

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

&nbsp;&nbsp;&nbsp;&nbsp;o 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 |

---

&nbsp;&nbsp;&nbsp;&nbsp;o 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 |

---

&nbsp;&nbsp;&nbsp;&nbsp;o 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 |

---

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

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

SEMT 2025-7 Due Diligence Narrative Report Page \| 11 June 30, 2025

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– 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

&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 |

---

&nbsp;&nbsp;&nbsp;&nbsp;o 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:

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

– Social Security inconsistencies <br> – Borrower name variations

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

– Borrower address history <br> – Subject property ownership history

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

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

– Mortgage lender/originator <br> – Loan officer

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

SEMT 2025-7 Due Diligence Narrative Report Page \| 12 June 30, 2025

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**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:

&nbsp;&nbsp;&nbsp;&nbsp;o 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 |

---

&nbsp;&nbsp;&nbsp;&nbsp;o 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:

&nbsp;&nbsp;&nbsp;&nbsp;o 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. |

---

SEMT 2025-7 Due Diligence Narrative Report Page \| 13 June 30, 2025

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

&nbsp;&nbsp;&nbsp;&nbsp;o 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:

&nbsp;&nbsp;&nbsp;&nbsp;o 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. |

---

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

&nbsp;&nbsp;&nbsp;&nbsp;o 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 |
| 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;▪ 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;▪ % 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;▪ 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;▪ 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;▪ 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;▪ 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:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

SEMT 2025-7 Due Diligence Narrative Report Page \| 14 June 30, 2025

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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.

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

&nbsp;&nbsp;&nbsp;&nbsp;o 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.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;o RedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a
review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser. The review is conducted to
confirm the value provided in the third-party valuation product or provide a new reconciled, independent value.

SEMT 2025-7 Due Diligence Narrative Report Page \| 15 June 30, 2025

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**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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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)

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

**Truth in Lending Act and Regulation Z** – (continued)

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

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

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

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

o 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)

o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, 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.

SEMT 2025-7 Due Diligence Narrative Report Page \| 16 June 30, 2025

![](tm2519742d1_ex99-1img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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.

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, 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.

**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** |
| California | Maryland | New York |
| Connecticut | Massachusetts (subprime ARMS to first time homebuyers) | North Carolina |
| Maine | Minnesota | |

---

SEMT 2025-7 Due Diligence Narrative Report Page \| 17 June 30, 2025

![](tm2519742d1_ex99-1img001.jpg)

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

---

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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** |
| Maine | Ohio | South Carolina |
| Massachusetts | Rhode Island | |

---

SEMT 2025-7 Due Diligence Narrative Report Page \| 18 June 30, 2025

![](tm2519742d1_ex99-1img001.jpg)

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

---

See attached Exhibit A - Consumer Protection Laws for additional details on 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.)

SEMT 2025-7 Due Diligence Narrative Report Page \| 19 June 30, 2025

![](tm2519742d1_ex99-1img001.jpg)

**<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.© 2025 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.

SEMT 2025-7 Due Diligence Narrative Report Page \| 20 June 30, 2025

## Exhibit 99.2

**Exhibit 99.2**

**EXHIBIT 99.2 CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-7** |
| **Start - End Dates:** | **2/3/2025 - 6/24/2025** |
| **Deal Loan Count:** | **132** |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *132* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Occupancy Type | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Note Rate | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Note Rate | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Original LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Combined LTV | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| XXXX | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |

---

©2025 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 99.3

**Exhibit 99.3**

**EXHIBIT 99.3 CLAYTON RATING AGENCY ATR QM DATA FIELDS**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-7** |
| **Start - End Dates:** | **2/3/2025 - 6/24/2025** |
| **Deal Loan Count:** | **132** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *132* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.5275 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 17375 | XXXXX | 7.1724 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2269 | XXXXX | 7.1487 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15595 | XXXXX | 6.4271 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4609.75 | XXXXX | 6.7905 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2320 | XXXXX | 6.6171 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2370 | XXXXX | 6.8934 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 7.0235 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2470 | XXXXX | 6.8974 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2665 | XXXXX | 6.7617 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1240 | XXXXX | 6.8934 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2845 | XXXXX | 6.4092 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2519 | XXXXX | 6.2699 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.8139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2664.85 | XXXXX | 6.7723 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1320 | XXXXX | 6.594 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 7.4471 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1580 | XXXXX | 7.0129 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4670.25 | XXXXX | 6.9612 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2382 | XXXXX | 6.7624 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2270.25 | XXXXX | 6.9441 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10756.4 | XXXXX | 6.5177 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2095 | XXXXX | 6.254 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12015 | XXXXX | 7.0208 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2270 | XXXXX | 7.3954 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14375 | XXXXX | 7.2661 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12001 | XXXXX | 6.878 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15260 | XXXXX | 7.0199 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1381 | XXXXX | 7.3933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 23795 | XXXXX | 7.1811 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.773 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4065 | XXXXX | 7.2943 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 7.7722 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.2889 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9900 | XXXXX | 6.9679 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 27018.76 | XXXXX | 8.0406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 6.9395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020.25 | XXXXX | 6.7736 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 7.2766 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 7.1167 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2080.25 | XXXXX | 6.9553 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1694 | XXXXX | 6.5702 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17176.88 | XXXXX | 6.9449 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1735 | XXXXX | 6.3902 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2243 | XXXXX | 7.1228 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2975 | XXXXX | 6.7805 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1408 | XXXXX | 6.4156 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.7632 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3265 | XXXXX | 7.149 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.5922 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4980 | XXXXX | 7.4359 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1975.25 | XXXXX | 7.4022 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11865 | XXXXX | 7.5117 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13585 | XXXXX | 7.2724 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 7.1942 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1950 | XXXXX | 7.4157 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.5256 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1720.25 | XXXXX | 6.7791 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2045 | XXXXX | 7.4034 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16295 | XXXXX | 7.3745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1865.25 | XXXXX | 6.7834 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16159 | XXXXX | 6.9042 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3694.4 | XXXXX | 6.2979 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1500 | XXXXX | 6.7814 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.5548 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1419 | XXXXX | 6.8006 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13008 | XXXXX | 6.9038 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.8664 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12500 | XXXXX | 7.5029 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3619.97 | XXXXX | 6.8895 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.9125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1210 | XXXXX | 7.145 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1556 | XXXXX | 7.0122 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 7.4171 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9072 | XXXXX | 7.342 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1555 | XXXXX | 6.9459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 7.0533 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 7.0266 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | ATR/QM: Status Pending | No | Yes | XXXXX | XXXXX | No | No | 2020 | XXXXX | 7.2777 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1770 | XXXXX | 6.4928 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 414 | XXXXX | 6.7946 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 7.269 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1740 | XXXXX | 7.1791 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.9008 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1376 | XXXXX | 7.784 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1670 | XXXXX | 7.2868 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12902.72 | XXXXX | 7.1992 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 7.4278 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1756 | XXXXX | 7.0078 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2944 | XXXXX | 7.5191 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2140.25 | XXXXX | 7.0258 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4554.08 | XXXXX | 7.2958 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.7841 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1180.9 | XXXXX | 6.778 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 7.0661 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2790 | XXXXX | 6.948 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.8953 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2085 | XXXXX | 6.6969 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.7646 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.4143 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.5742 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3865 | XXXXX | 7.286 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1588 | XXXXX | 6.8459 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 35108.5 | XXXXX | 7.934 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.8694 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1588 | XXXXX | 6.8982 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1700 | XXXXX | 6.763 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1890.25 | XXXXX | 7.0332 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8666.25 | XXXXX | 6.9406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3680.4 | XXXXX | 7.5312 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4190 | XXXXX | 7.2996 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 20620 | XXXXX | 6.7474 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1550 | XXXXX | 6.9157 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1694 | XXXXX | 6.9115 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11295 | XXXXX | 6.542 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1857 | XXXXX | 6.9823 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14431.12 | XXXXX | 7.1771 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1948 | XXXXX | 7.5369 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1925 | XXXXX | 7.1902 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2432 | XXXXX | 6.9938 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1500 | XXXXX | 6.8944 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.5138 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 7.002 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 7.1408 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2269 | XXXXX | 6.8891 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 7.0296 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.2631 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.6531 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXX | XXXXX | No | No | 1970.35 | XXXXX | 7.0557 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1920 | XXXXX | 7.4107 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4607.5 | XXXXX | 6.3683 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |

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## Exhibit 99.4

**Exhibit 99.4**

**EXHIBIT 99.4 CLAYTON ATR QM UPLOAD**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-7** |
| **Start - End Dates:** | **2/3/2025 - 6/24/2025** |
| **Deal Loan Count:** | **132** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *132* |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **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 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5275 | Yes | Yes | 0.072 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.08 | 39.13 | 39.08 | 39.13 | 39.13 | 39.13 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Personal Tax Return - 24 months; | Paystub - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1724 | Yes | Yes | 1.755 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.57 | 30.57 | 30.57 | 30.57 | 30.57 | 30.57 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1487 | Yes | Yes | 0.23 | 0.230 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.17 | 34.26 | 34.17 | 34.26 | 34.26 | 34.26 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4271 | Yes | Yes | 0.529 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.1 | 39.5 | 38.1 | 39.5 | 39.5 | 39.5 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7905 | Yes | Yes | 0.352 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.91 | 35.29 | 38.91 | 35.29 | 35.29 | 35.29 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6171 | Yes | Yes | 0.292 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.96 | 14.76 | 15.96 | 14.76 | 14.76 | 14.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8934 | Yes | Yes | 0.198 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.79 | 36.79 | 36.79 | 36.79 | 36.79 | 36.79 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0235 | No | No | 0.163 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.93 | 44.41 | 45.93 | 44.41 | 44.41 | 44.41 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8974 | Yes | Yes | 0.256 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.1 | 40.22 | 40.1 | 40.22 | 40.22 | 40.22 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7617 | Yes | Yes | 0.302 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.99 | 42.99 | 42.99 | 42.99 | 42.99 | 42.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 14 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8934 | No | No | 0.135 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.02 | 43.25 | 45.02 | 43.25 | 43.25 | 43.25 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4092 | Yes | Yes | 0.205 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.72 | 14.16 | 12.72 | 14.16 | 14.16 | 14.16 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | Personal Tax Return - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2699 | Yes | Yes | 0.171 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.85 | 13.86 | 13.85 | 13.86 | 13.86 | 13.86 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8139 | No | No | 0.144 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.86 | 49.78 | 49.86 | 49.78 | 49.78 | 49.78 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7723 | No | No | 0.211 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.31 | 43.05 | 44.31 | 43.05 | 43.05 | 43.05 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5940 | Yes | Yes | 0.126 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.14 | 41.98 | 42.14 | 41.98 | 41.98 | 41.98 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4471 | Yes | Yes | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.16 | 37.46 | 35.16 | 37.46 | 37.46 | 37.46 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0129 | Yes | Yes | 0.092 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.63 | 39.78 | 41.63 | 39.78 | 39.78 | 39.78 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9612 | Yes | Yes | 0.448 | 0.448 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.5 | 25.37 | 25.5 | 25.37 | 25.37 | 25.37 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7624 | Yes | Yes | 0.107 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.32 | 32.61 | 32.32 | 32.61 | 32.61 | 32.61 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9441 | No | No | 0.192 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.89 | 49.06 | 49.89 | 49.06 | 49.06 | 49.06 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5177 | No | No | 0.752 | 0.752 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.49 | 44.2 | 45.49 | 44.2 | 44.2 | 44.2 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.2540 | No | No | 0.127 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.73 | 44.57 | 46.73 | 44.57 | 44.57 | 44.57 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0208 | Yes | Yes | 1.414 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.76 | 37.5 | 37.76 | 37.5 | 37.5 | 37.5 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 27 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3954 | No | No | 0.216 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.93 | 46.93 | 46.93 | 46.93 | 46.93 | 46.93 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 27 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2661 | Yes | Yes | 0.735 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.13 | 25.11 | 25.13 | 25.11 | 25.11 | 25.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 3 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8780 | Yes | Yes | 0.668 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.54 | 37.54 | 37.54 | 37.54 | 37.54 | 37.54 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0199 | Yes | Yes | 1.144 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.97 | 41.52 | 42.97 | 41.52 | 41.52 | 41.52 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3933 | Yes | Yes | 0.117 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.57 | 23.57 | 23.57 | 23.57 | 23.57 | 23.57 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1811 | Yes | Yes | 2.401 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 7.05 | 7.05 | 7.05 | 7.05 | 7.05 | 7.05 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.7730 | No | No | 0.144 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.78 | 47.82 | 48.78 | 47.82 | 47.82 | 47.82 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | P & L - 3 months;<br> Paystub - 28 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4900 | No | No | 0.112 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.81 | 49.6 | 49.81 | 49.6 | 49.6 | 49.6 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2943 | Yes | Yes | 0.273 | 0.152 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.96 | 20.21 | 27.96 | 20.21 | 20.21 | 20.21 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.7722 | No | No | 0.13 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.54 | 47.84 | 48.54 | 47.84 | 47.84 | 47.84 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 0 months;<br> Written VOE - 19 months; | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2889 | Yes | Yes | 0.198 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.05 | 41.62 | 38.05 | 41.62 | 41.61 | 41.61 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9679 | Yes | Yes | 0.761 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.84 | 15.94 | 15.84 | 15.94 | 15.94 | 15.94 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 8.0406 | Yes | Yes | 2.692 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | 37.4 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9395 | Yes | Yes | 0.186 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.23 | 41.14 | 41.23 | 41.14 | 41.14 | 41.14 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 21 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7736 | Yes | Yes | 0.211 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.81 | 35.6 | 35.81 | 35.6 | 35.6 | 35.6 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2766 | No | No | 0.139 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.2 | 47.18 | 47.2 | 47.18 | 47.18 | 47.18 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1167 | Yes | Yes | 0.18 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.69 | 30.11 | 29.69 | 30.11 | 30.11 | 30.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 27 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9553 | No | No | 0.21 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.42 | 44.31 | 44.42 | 44.31 | 44.31 | 44.31 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5702 | Yes | Yes | 0.169 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.3 | 39.62 | 39.3 | 39.62 | 39.62 | 39.62 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9449 | Yes | Yes | 1.701 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.43 | 26.39 | 26.43 | 26.39 | 26.39 | 26.39 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 16 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3902 | Yes | Yes | 0.109 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.26 | 38.85 | 38.26 | 38.85 | 38.85 | 38.85 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1228 | Yes | Yes | 0.128 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.08 | 40.07 | 40.08 | 40.07 | 40.07 | 40.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7805 | Yes | Yes | 0.179 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.99 | 41 | 40.99 | 41 | 41 | 41 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.4156 | No | No | 0.129 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.85 | 43.85 | 43.85 | 43.85 | 43.85 | 43.85 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 16 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7632 | Yes | Yes | 0.115 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.52 | 38.77 | 37.52 | 38.77 | 38.77 | 38.77 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1490 | Yes | Yes | 0.203 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.57 | 41.57 | 41.57 | 41.57 | 41.57 | 41.57 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5922 | Yes | Yes | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.35 | 10.35 | 10.35 | 10.35 | 10.35 | 10.35 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4359 | No | No | 0.552 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.58 | 44.58 | 43.58 | 44.58 | 44.58 | 44.58 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4022 | Yes | Yes | 0.216 | 0.216 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.73 | 28.63 | 31.73 | 28.63 | 28.63 | 28.63 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5117 | Yes | Yes | 1.084 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.31 | 19.31 | 19.31 | 19.31 | 19.31 | 19.31 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2724 | Yes | Yes | 1.443 | 1.443 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.55 | 37.33 | 39.55 | 37.33 | 37.33 | 37.33 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1942 | Yes | Yes | 0.146 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.96 | 38.18 | 37.96 | 38.18 | 38.18 | 38.18 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4157 | Yes | Yes | 0.114 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.57 | 39.61 | 39.57 | 39.61 | 39.61 | 39.61 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 15 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5256 | No | No | 0.17 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.86 | 43.86 | 43.86 | 43.86 | 43.86 | 43.86 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 36 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7791 | No | No | 0.189 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4034 | Yes | Yes | 0.143 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.01 | 33.91 | 34.01 | 33.91 | 33.91 | 33.91 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 12 months; | Award Letter - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3745 | No | No | 1.114 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.17 | 44.17 | 44.17 | 44.17 | 44.17 | 44.17 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Bank Statements - 13 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7834 | Yes | Yes | 0.117 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.02 | 40.61 | 42.02 | 40.61 | 40.61 | 40.61 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 5 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9042 | Yes | Yes | 1.231 | 1.231 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.46 | 24.71 | 24.46 | 24.71 | 24.71 | 24.71 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2979 | Yes | Yes | 0.459 | 0.459 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.67 | 38.5 | 36.67 | 38.5 | 38.5 | 38.5 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7814 | Yes | Yes | 0.151 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.44 | 35.44 | 35.44 | 35.44 | 35.44 | 35.44 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L Only - 16 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5548 | Yes | Yes | 0.193 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.8 | 32.8 | 32.8 | 32.8 | 32.8 | 32.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8006 | Yes | Yes | 0.128 | 0.128 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.41 | 35.01 | 35.41 | 35.01 | 35.01 | 35.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9038 | Yes | Yes | 1.532 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.92 | 25.9 | 26.92 | 25.9 | 25.9 | 25.9 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8664 | No | No | 0.135 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.53 | 46.68 | 46.53 | 46.68 | 46.68 | 46.68 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 16 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5029 | Yes | Yes | 1.267 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.9 | 42.07 | 42.9 | 42.07 | 42.07 | 42.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8895 | No | No | 0.39 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.81 | 49.22 | 49.81 | 49.22 | 49.22 | 49.22 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9125 | Yes | Yes | 0.178 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.84 | 40.69 | 40.84 | 40.69 | 40.69 | 40.69 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1450 | Yes | Yes | 0.139 | 0.139 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.86 | 25.8 | 25.86 | 25.8 | 25.8 | 25.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0122 | Yes | Yes | 0.084 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.57 | 41.51 | 41.57 | 41.51 | 41.51 | 41.51 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 28 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4171 | Yes | Yes | 0.073 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.82 | 42.83 | 42.82 | 42.83 | 42.83 | 42.83 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3420 | Yes | Yes | 0.86 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.88 | 32.92 | 32.88 | 32.92 | 32.92 | 32.92 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9459 | Yes | Yes | 0.161 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.62 | 41.6 | 42.62 | 41.6 | 41.6 | 41.6 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 3 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0533 | Yes | Yes | 0.16 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.83 | 40.88 | 40.83 | 40.88 | 40.88 | 40.88 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0266 | Yes | Yes | 0.108 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.11 | 37.11 | 37.11 | 37.11 | 37.11 | 37.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 6 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Status Pending | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2777 | No | No | 0.231 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.59 | 49.59 | 49.59 | 49.59 | 49.59 | 49.59 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 20 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4928 | Yes | Yes | 0.221 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.12 | 38.46 | 37.12 | 38.46 | 38.46 | 38.46 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7946 | Yes | Yes | 0.04 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.5 | 24.05 | 23.5 | 24.05 | 24.05 | 24.05 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2690 | No | No | 0.122 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.52 | 49.53 | 49.52 | 49.53 | 49.53 | 49.53 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1791 | Yes | Yes | 0.146 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.58 | 28.58 | 28.58 | 28.58 | 28.58 | 28.58 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9008 | Yes | Yes | 0.209 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.83 | 24.57 | 24.83 | 24.57 | 24.57 | 24.57 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.7840 | Yes | Yes | 0.102 | 0.168 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.33 | 35.43 | 38.33 | 35.43 | 35.43 | 35.43 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2868 | Yes | Yes | 0.15 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.38 | 32.38 | 32.38 | 32.38 | 32.38 | 32.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1992 | Yes | Yes | 0.667 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.5 | 40.28 | 39.5 | 40.28 | 40.28 | 40.28 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4278 | Yes | Yes | 0.242 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.06 | 24.06 | 24.06 | 24.06 | 24.06 | 24.06 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0078 | No | No | 0.178 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.71 | 44.7 | 44.71 | 44.7 | 44.7 | 44.7 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 28 months; | Business Tax Return - 36 months;<br> CPA Letter with Income - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.5191 | No | No | 0.239 | 0.239 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.71 | 45.55 | 49.71 | 45.55 | 45.55 | 45.55 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0258 | Yes | Yes | 0.198 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.57 | 41.57 | 41.57 | 41.57 | 41.57 | 41.57 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2958 | No | No | 0.404 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.31 | 45.23 | 46.31 | 45.23 | 45.23 | 45.23 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Written VOE - 28 months; | Written VOE - 28 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7841 | Yes | Yes | 0.225 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.18 | 21.18 | 21.18 | 21.18 | 21.18 | 21.18 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | Award Letter - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7780 | Yes | Yes | 0.12 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.99 | 39.99 | 39.99 | 39.99 | 39.99 | 39.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0661 | Yes | Yes | 0.199 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.48 | 21.68 | 26.48 | 21.68 | 21.68 | 21.68 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 4 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9480 | Yes | Yes | 0.342 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.3 | 40.49 | 40.3 | 40.49 | 40.49 | 40.49 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8953 | Yes | Yes | 0.176 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35 | 34.62 | 35 | 34.62 | 34.62 | 34.62 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 4 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6969 | No | No | 0.225 | 0.225 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.75 | 43.74 | 43.75 | 43.74 | 43.74 | 43.74 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7646 | Yes | Yes | 0.107 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.89 | 36.17 | 35.89 | 36.17 | 36.17 | 36.17 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months; | Award Letter - 1 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4143 | Yes | Yes | 0.1 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.69 | 22.69 | 22.69 | 22.69 | 22.69 | 22.69 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5742 | No | No | 0.104 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.17 | 46.13 | 46.17 | 46.13 | 46.13 | 46.13 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2860 | No | No | 0.39 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.86 | 47.55 | 47.86 | 47.55 | 47.55 | 47.55 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Offer Letter - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8459 | No | No | 0.165 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 44.92 | 44.96 | 44.92 | 44.92 | 44.92 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 16 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.9340 | Yes | Yes | 2.996 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.61 | 27.43 | 27.61 | 27.43 | 27.43 | 27.43 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8694 | No | No | 0.14 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.62 | 49.45 | 49.62 | 49.45 | 49.45 | 49.45 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8982 | Yes | Yes | 0.19 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.03 | 37.03 | 37.03 | 37.03 | 37.03 | 37.03 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7630 | Yes | Yes | 0.093 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 12.78 | 12.78 | 12.78 | 12.78 | 12.78 | 12.78 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0332 | Yes | Yes | 0.202 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.56 | 37.24 | 36.56 | 37.24 | 37.24 | 37.24 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months; | Paystub - 28 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9406 | Yes | Yes | 0.548 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.82 | 35.69 | 35.82 | 35.69 | 35.69 | 35.69 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.5312 | No | No | 0.226 | 0.226 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.94 | 49.63 | 49.94 | 49.63 | 49.63 | 49.63 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2996 | No | No | 0.423 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.5 | 48.41 | 48.5 | 48.41 | 48.41 | 48.41 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7474 | Yes | Yes | 2.241 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.28 | 33.79 | 34.28 | 33.79 | 33.79 | 33.79 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 28 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9157 | Yes | Yes | 0.134 | 0.134 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.55 | 11.04 | 10.55 | 11.04 | 11.04 | 11.04 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9115 | Yes | Yes | 0.113 | 0.113 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.87 | 23.01 | 26.87 | 23.01 | 23.01 | 23.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5420 | Yes | Yes | 1.137 | 1.137 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.5 | 23.61 | 23.5 | 23.61 | 23.61 | 23.61 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9823 | No | No | 0.22 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.35 | 45.35 | 45.35 | 45.35 | 45.35 | 45.35 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1771 | Yes | Yes | 1.529 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.41 | 23.82 | 23.41 | 23.82 | 23.82 | 23.82 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.5369 | No | No | 0.228 | 0.135 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.38 | 47.39 | 47.38 | 47.39 | 47.39 | 47.39 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1902 | Yes | Yes | 0.183 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.61 | 33.86 | 34.61 | 33.86 | 33.86 | 33.86 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 28 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9938 | Yes | Yes | 0.205 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.98 | 37.99 | 37.98 | 37.99 | 37.99 | 37.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8944 | No | No | 0.151 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.32 | 44.27 | 44.32 | 44.27 | 44.27 | 44.27 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 16 months; | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5138 | Yes | Yes | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.41 | 28.65 | 29.41 | 28.65 | 28.65 | 28.65 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0020 | Yes | Yes | 0.234 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.28 | 28.28 | 28.28 | 28.28 | 28.28 | 28.28 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1408 | Yes | Yes | 0.111 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.34 | 31.21 | 31.34 | 31.21 | 31.21 | 31.21 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8891 | Yes | Yes | 0.143 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.29 | 28.23 | 28.29 | 28.23 | 28.23 | 28.23 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0296 | No | Yes | 0.205 | 0.205 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.92 | 43.19 | 37.92 | 43.19 | 43.19 | 43.19 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2631 | Yes | Yes | 0.093 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.64 | 15.96 | 15.64 | 15.96 | 15.96 | 15.96 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 15 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6531 | Yes | Yes | 0.167 | 0.167 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39 | 37.34 | 39 | 37.34 | 37.34 | 37.34 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 12 months; | Personal Bank Statements - 2 months;<br> W2 - 12 months; | W2 - 12 months; |
| XXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0557 | No | No | 0.237 | Not Applicable | No | No | 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 | 49.97 | 55.78 | 49.97 | 55.78 | 55.78 | 55.78 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4107 | Yes | Yes | 0.211 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.29 | 28.29 | 28.29 | 28.29 | 28.29 | 28.29 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Lease Agreement - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3683 | Yes | Yes | 0.482 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.99 | 33.46 | 32.99 | 33.46 | 33.46 | 33.46 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |

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## Exhibit 99.5

**Exhibit 99.5**

**EXHIBIT 99.5 CLAYTON VALUATIONS SUMMARY** 

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SEMT 2025-7** |
| **Start - End Dates:** | **2/3/2025 - 6/24/2025** |
| **Deal Loan Count:** | **132** |
| **Valuations Summary** |  |
| *Loans in Report:* | *132* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **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 / LCA Score** |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | (No Data) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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) |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $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 | $0.00 | 0.00% | XXXXX |
| XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $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% | XXXXX |

---

## Exhibit 99.6

**Exhibit 99.6**

**EXHIBIT 99.6 CLAYTON CONDITIONS REPORT 2.0**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-7** |
| **Start - End Dates:** | **2/3/2025 - 6/24/2025** |
| **Deal Loan Count:** | **132** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *132* |
| ***Loans with Conditions:*** | *107* |

---

---

| |
|:---|
| **12 - Total Active Conditions** |
| **10 - Material Conditions** |
| 3 - Credit Review Scope |
| 1 - Category: DTI |
| 2 - Category: Income/Employment |
| 7 - Compliance Review Scope |
| 2 - Category: Ability to Repay/Qualified Mortgage |
| 2 - Category: Right of Rescission |
| 3 - Category: TILA/RESPA Integrated Disclosure |
| **2 - Non-Material Conditions** |
| 2 - Credit Review Scope |
| 1 - Category: DTI |
| 1 - Category: Income/Employment |
| **198 - Total Satisfied Conditions** |
| 66 - Credit Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 6 - Category: Assets |
| 8 - Category: Credit/Mtg History |
| 7 - Category: DTI |
| 27 - Category: Income/Employment |
| 3 - Category: Insurance |
| 3 - Category: Legal Documents |
| 9 - Category: Terms/Guidelines |
| 2 - Category: Title |
| 6 - Property Valuations Review Scope |
| 5 - Category: Appraisal |
| 1 - Category: FEMA |
| 126 - Compliance Review Scope |
| 5 - Category: Ability to Repay/Qualified Mortgage |
| 6 - Category: Compliance Manual |
| 2 - Category: Documentation |
| 7 - Category: RESPA |
| 1 - Category: State Consumer Protection |
| 105 - Category: TILA/RESPA Integrated Disclosure |
| **17 - Total Waived Conditions** |
| 13 - Credit Review Scope |
| 1 - Category: Assets |
| 2 - Category: Credit/Mtg History |
| 5 - Category: Income/Employment |
| 5 - Category: Terms/Guidelines |
| 4 - Compliance Review Scope |
| 3 - Category: RESPA |
| 1 - Category: Right of Rescission |

---

©2025 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:** | **SEMT 2025-7** |
| **Start - End Dates:** | **2/3/2025 - 6/24/2025** |
| **Deal Loan Count:** | **132** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *132* |
| ***Loans with Conditions:*** | *107* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per the Tracking History in file, it appears the following CD's are missing: XXX, XXX and XXX. If applicable, provide all missing CD's along with any corresponding COC's and/or Rate Locks. | 02/05/2025 Client provided missing CD;s XXX, XXX and XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | File contains only the Final XXX CD. Provide the missing Initial CD for further testing. | 02/05/2025 Client provided missing Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File contains only the Final XXX CD. Provide the missing Initial CD for further testing. | 02/05/2025 Client provided missing Initial CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance testing failed by $XXX due to the following fee increases/additions on the Final XXX CD: Points increased by $XXX, Appraisal increased by $XXX and Inspection added in Section B for $XXX. The Final CD reflects a $XXX cure for the Appraisal increase, however file is missing valid COC's/Revised CD's for the Points and Inspection fees. Provide the missing COC's/CD's for further testing, or provide borrower with a refund of $XXX, Post CD with increased cure, LOE and proof of delivery that includes tracking information. | 02/05/2025 Client provided missing CD's XXX, XXX and XXX. Condition remains. Provide COC that gives details of why the changes were made for review or PCCD with additional $XXX cure, copy of cure check, LOE to borrower and evidence of delivery via tracking. 02/10/25 Client provided an Email from the Lender with a screen shot of the Lock History showing the Discount Point increase due to the Lock Extension on XXX. Points increase occurred on the XXX CD. Email also reflects a XXX screen shot for the approval of an escrow holdback which results in the Inspection Fee addition on the XXX CD, however per the Event History in file, the Appraisal was received on XXXX (subject-to repairs). The addition of the Inspection Fee on XXX was not timely. Borrower is due a refund of $XXX, Post CD with increased tolerance cure, LOE and proof of delivery that includes tracking information.02/11/25 Client provided another Email from the Lender with a screen shot of the Appraisal section showing the "subject to inspection of the basement". Per XXX, the added Inspection Fee is valid. Once inspected (XXX structural inspection requirement), the file contains a XXX escrow holdback exception approval for the repair work to be done with a standard reinspection required. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX Percent Tolerance testing failed by $XXX due to the Recording Fee increase on the Final XXX CD without any valid COC in file. Provide the missing COC for review, or provide borrower with a refund of $XXX, Post CD with increased cure, LOE and proof of delivery that includes tracking information. | 02/05/2025 Client provided missing CD's XXX, XXX and XXX Condition remains. Provide COC that gives details of why the changes were made for review or PCCD with additional $XXX cure, copy of cure check, LOE to borrower and evidence of delivery via tracking. 02/10/25 Client provided an Email from the Lender along with a screen shot reflecting the XXX Power of Attorney approval which resulted in the increased Recording fee on the XXX CD. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | File is missing AUS findings with an Approve/Ineligible - or- Eligible for High Balance due to loan amount. | 2.6.2025 Client provided DU AUS Submission XXX Approve/Ineligible dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 50% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal made subject to inspection of the basement, as noting there is water / moisture on the cement floor; near air handler, see photos. Provide inspection report with adequately address the specific problem. | The "inspection" document provided merely is a detailed and descriptive list of all the most common property components, without any specific answer to the condition as noted. Exception remains.2.10.2025 Client provided email stating the EH is outstanding and is being used for the repair of the basement moisture. Condition remains missing evidence of escrow holdback $XXX being released along with 1004D (from appraiser) with work being completed, as reflected on CD transaction having Escrow holdback of $XXX3.4.2025 Client provided exception approval for missing evidence of escrow hold back of $XXX being released along with missing 1004d with work being completed 4.18.2025 Client provided 1004D of completion of Sump pump work being completed, still missing evidence of escrow holdback being released. Condition remains Note: Invoice from XXX says balance due of $XXX and escrow hold back is $XXX and will need to verify paid in full. 4/29 Client provided evidence of payment and release of escrow | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: 50% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Provide the missing Affiliate Business Disclosure. | 04/14/25 Client provided a signed LOE from the Lender stating they do not have affiliated business arrangements that are used on any mortgage transactions. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | File is missing the Initial CD. Provide the Initial CD with confirmed receipt for further testing. | 04/14/25 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File is missing the Initial CD. Provide the Initial CD with confirmed receipt for further testing. | 04/14/25 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final and Post CD's: Neither box is checked in the Non-escrow section. Provide an LOE and corrected Post CD. | 04/15/25 Client provided an LOE to borrower and corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Waived B | CRDINC126 | Length of employment/self-employment does not meet guidelines | No | Borrower has only been working in the US XXX months | 6/16 Client provided an approved exception to allow the file with XXX months US employment | xxx final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Terms/Guidelines | Waived A B | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | No | Borrower is a Non permanent Resident Alien with less than XXX months employment | 6/18 Client provided an approved exception to allow the file with a NON Perm resident having less than XXX months US employment | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; LTV below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | $XXX loan amount exceeds the max of $XXX allowed for a second home rate term refinance. | 4.24.2025 Client provided exception approval for loan amount $XXX exceeding guidelines maximum of $XXX for 2nd Home Waiver not applied, missing evidence business has been dissolved or CPA Letter verifying. 4/30 Client provided a SOS search showing no business found; Response; a SOS search is insufficient evidence the Business has been dissolved; provide CPA letter or dissolution papers 5/14 Client provided an Email that all paperwork and fees to dissolve have been paid to the State but the Borrower has not yet received the evidence of dissolution" Condition remains for evidence the business has been dissolved from the State of third party CPA5.28.2025 Client provided SOS of Delaware verifying dissolution of business: XXX and XXX Client provided exception approval for loan amount exceeding guidelines maximum for 2nd home rate/term refinance | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Change of Circumstances, file is missing LE XXX and CD XXX. Provide copies of all Loan Estimates and Closing Disclosures as applicable. | 06/09/25 Client provided the missing XXX LE and XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Extension Fees were added without documents to support additional fees. File is missing Revised CD dated XXX to match increase in lock fees from COC dated XXX. Condition is pending receipt of Missing CD/CDs; additional conditions may apply. | 06/09/25 Client provided the missing XXX LE and XXX CD. Condition remains. The XXX COC indicates a XXX% charge to borrower for the Lock Extension on the XXX CD ($XXX Extension Fee), however there was a second Extension Fee of $XXX also added to this CD. This additional fee increased to $XXX at Closing. Unable to determine reason for this second Extension Fee added on XXX. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with Tracking.06/12/25 Client provided a duplicate copy of the XXX COC that reflects the XXX% charge for the lock extension ($XXX). Condition remains. There was a second Extension Fee of $XXX also added to this CD. This additional fee increased to $XXX at Closing. Unable to determine reason for this second Extension Fee added on XXX. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with Tracking.06/17/25 Client provided anotherXXX COC with LOE from Lender stating this loan was extended twice in the timeframe of XXX-XXX and both were captured on the XXX CD, however the close inadvertently missed updating the COC notes to show both. Condition remains. Due to error, provide the lock documentation showing the dates they were changed and the dates of the extension for review.06/24/25 Client provided a XXX PCCD with a $XXX tolerance credit, LOE to Borrower and shipping label. Condition remains. Tracking shows only the label has been created and the refund check was missing. Provide the check and proof of shipment.06/25/25 Client provided the refund check. Re-tracking still results in no shipment. Condition remains for the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXmo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX+ REO $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XX Years at Current Residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 05/16/25 Client provided the missing XXX Initial CD. Tracking in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XX Years at Current Residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrower min XXX days prior to closing date. | 05/16/25 Client provided the missing XXX Initial CD. Tracking in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XX Years at Current Residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide XXX Profit and Loss from XXX and XXX | 6/9 Client provided a P&L from XXX; still missing the XXX P&L from XXX6.24.2025 Client provided copy of end of year XXX P/L for XXX supporting income on 1003 being used by Lender | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XX Years at Current Residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing DU/AUS | Client provided DUAI XXX | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XX Years at Current Residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of HOA monthly payment of $XXX for investment property XXX | 5/12 Client provided HOA of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: The borrowers have been in their respective professions for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Waived B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 05/22/25 Client provided an approved exception for the missing Affiliate Business Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require X months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of co-borrowers XXX verified through a third-party source and no more than XXX calendar days prior to the Note date. | 5/21 Client provided the VVOE | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance in amount of $XXX due to added Discount Points on a revised LE XXX with no COC in file and fee increased to total of $XXX on final CD XXX without a valid reasons documented in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/23/25 Client provided internal Workflow Notes from Lender reflecting the change in circumstance information: XXX Value Change (LTV) and XXX Lock Extension. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | This appears to be Delayed Refinancing. Provide HUD/CD from purchase of subject reflecting no financing obtained for the purchase of property Funds used to purchase the property are fully documented and sourced and must be the borrowers own funds (no gift funds or business funds | 6/18 Client provided the executed HUD, source of funds documented | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Credit Report in the amount of $XXX was added on LE XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/22/25 Client provided a XXX PCCD with $XXX tolerance cure Credit and LOE to Borrower. Condition remains for a copy of the refund check and the proof of delivery that includes tracking information.05/27/25 Client provided the refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX+ REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Collateral Desk Analysis fee for $XXX added on LE XXX without a valid reason documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/28/25 Client provided a duplicate copy of the XXX COC and LE. Condition remains. Provide additional details about what change in circumstance occurred (based on title report per the COC) with supporting documentation from the time of the change for review.05/30/25 Client provided another XXX COC stating External Underwriting Loan Decision Sheet received and dated XXX requires CDA. Condition remains. This does not explain the change in circumstance that occurred. Provide valid change documentation OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking.06/10/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.06/13/25 Client provided the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA desk review supporting appraisal value of $XXX due to LCA Risk XXX | 5.27.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | FEMA | Satisfied C A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Missing PDI for FEMA disaster XXX Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, and Mudslides declared XXX; appraisal date XXX, prior to FEMA disaster. | 6/5 Client provided a XXX Post disaster inspection showing no damage to the subject property | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in the same profession |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increased Transfer Tax fee with no valid reasons documented on COC XXX (loan amount nor sales price have changed). Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/26/25 Client provided a XXX PCCD with cure, refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in the same profession |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Insurance | Satisfied B A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing RCE | 5/21 Client provided an RCE with sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | XXX Loan Amount Outside Of Guidelines And Is More Than $XXX Outside Of Guideline Maximum. Max loan amount for XXX % LTV is $XXX. Loan amount is $XXX | Approved XXX Exception Dated XXX for an Amount Outside Of Guidelines And Is More Than $XXX Outside Of Guideline Maximum. | Upon further review by Sr. Underwriter exception is deemed non material due to strong reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XX months or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing HUD1, Final CD, or ALTA Settlement Statement verifying the sale XXX verifying net proceeds of $XXX. | 5/14 Client provided an estimated HUD unsigned dated XXX condition remains for Final HUD with net proceeds of $XXX5/23 Client provided the executed HUD | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves XXX months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% Tolerance Fee of $XXX due to increased Title fees on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/16/25 Client provided a duplicate copy of the XXX COC. Condition remains. The COC does not reflect any valid change in circumstance reason for the increased fees (Title fees received is not a valid COC).05/21/25 Client provided a duplicate copy of the Final CD and the Final ALTA. Condition remains. The Final ALTA reflects $XXX for the Title-Lender's Title Insurance Fee (CD Value $XXX - Adjustment of $XXX), however a detailed LOE and a corrected PCCD is required. Provide the LOE detailing this change with a PCCD correcting the fee separation on page 2.05/23/25 Client provided the detailed LOE to borrower and the corrected XXX PCCD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 at current employment XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No | Missing schedule C income worksheet for BXX | 5.15.2025 Client provided copy of 2024/2023 Schedule C 1040 however initial condition is regarding missing Lender Cash Flow Income Analysis for Schedule C calculation used for qualifying. Condition remains 5.20.2025 Client provided Lender Cash Flow Income Analysis for BXX Schedule C income | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 at current employment XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final CD does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months 0x30; XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX+ REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Provide XXX loan payment based on $XXX promissory note dated XXX and recalculate borrower's DTI. If DTI exceeds XXX% of XXX% DU will need to be rerun based on that new payment amount and DTI. Lender calculated note terms based on $XXX. | 6/6 Client provided updated DU with DTI of XXX which includes XXX payment | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXXyears. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide XXX loan payment based on $XXX promissory note dated XXX and recalculate borrower's DTI. If DTI exceeds XXX% of XXX% DU will need to be rerun based on that new payment amount and DTI. Lender calculated note terms based on $XXX. | 6/6 Client provided updated DU with DTI of XXX which includes XXX payment | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXXyears. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOM reflecting 0x30 since XXX provided by borrower's mother due to a private "verbal handshake agreement (no note or mortgage) and only XXX months of bank statements provided to verify $XXX payments. 0x30x24 required. | 6/19 Client provided an approved exception to allow the file with a VOM on XXX loan with XXX months bank statements confirming payment | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXXyears. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Legal Documents | Satisfied D A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing Final/executed Sale HUD for the departure residence to verify required funds to close and reserves; HUD provided is marked Preliminary and is not signed or stamped by any party. | 6/12 Client provided the executed HUD with proceeds of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXXyears. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE XXX is e-signed by borrowers but a prior e-consent is missing in file. | 05/28/25 Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline of XXX% with a DTI of XXX% or less.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months cash reserves exceed guidelines of XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees and Realtor Commission listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Provide documentation source for XXX XXX deposit in XXX# XXX . Subject to asset recalc and may be subject to additional conditions upon review. | 5.29.2025 Client provided last page of XXX #XXX XXX reflecting same in file $XXX deposit on XXX however initial condition requested documentation to source the $XXX6/4 Client provided an LOX; upon review the large deposit $XXX XXX was excluded | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | 1. Page 362 combined file reflects XXX # XXX, liquid funds of $XXX wired to closing XXX. No additional docs / statements in file.2. In file: XXX # XXX statements for XXX - XXX, with $XXX balance. Provide documentation these are the same accounts, or provide additional documentation for # 183 meeting guidelines, to fully source. Subject to asset/reserves recalc and may be subject to additional conditions upon review. | 5.29.2025 Client provided XXX #XXX XXX statement with balance of $XXX however missing most recent statement XXX supporting the liquid funds of $XXX wired to closing on XXX In addition, Client provided pg. 1 of #XXX XXX statement with balance of $XXX; condition remains for XXX#XXX more recent statement to support liquid funds of $XXX that was wired to closing on XXX; statement provided for #XXX do not support the wired liquid funds. 6/4 Client provided an LOX that the #XXX account was provided to show the borrower moved funds between accounts and the #XXX was not used for assets; Upon review the #XXX account is the source account for wire to closing condition remains for additional statement #XXX with sufficient funds for wire $XXX XXX6.16.2025 Client provided XXX#XXX statement dated XXX that support the liquid funds to close wire of $XXX given at closing. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Note date XXXFTHB required most recent XXX month VOR.In file: XXX - XXXProvide VOR for XXX | 5.29.2025 Client provided Lender LOX stating per VOR in file Borrower paid from XXX - XXX. Condition remains for missing VOR for month of XXX which will cover XXX months. Possibly XXX is with prior VOR history. 5.30.2025 Client provided exception approval for missing additional XXX month VOR history to cover XXX months, XXX months verified and XXX months required, per guidelines. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Borrower is self employed 1120s.a. CPA VOE does not reflect start date. VOE page 204 combined file references link for State Registration, but no printout in file to support. Provide third party voe reflecting 1120s start date. May be subject to additional conditions upon review. | 5.29.2025 Client provided SOS dated XXX for XXX w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by borrower; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for borrower. | 06/13/25 Client provided the E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years, XXX months in profession. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling 10 organizations not in file | 06/09/25 Client provided a duplicate copy of the acknowledgment. Condition remains for the counseling list of organizations.06/12/25 Client provided the 10 List of Organizations. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added 2nd Appraisal fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/23/25 Client provided a duplicate copy of the XXX COC. Condition remains. The COC does not provide a valid change in circumstance explanation for why a Second Appraisal Fee was added.06/12/25 Client provided a XXX COC, LOE and PCCD reflecting a $XXX cure for the Second Appraisal and Desk Review. Condition remains. Provide a copy of the refund check and proof of shipment that includes tracking.06/23/25 Client provided the cure package with the refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence of HELOC with docs XXX Bank to support PITI with primary residence, subject to additional conditions | 6.19.2025 Client provided supplement verifying HELOC w/XXX Bank #XXX HELOC is $XXX balance on primary residence | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification of employment for XXX, XXX. XXX, and XXX | 6.12.2025 Client provided SOS dated XXX for each four (4) requested businesses, listed in initial condition | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide monthly taxes/tax calculations for XXX | 6/13 Client provided supporting docs for PITIA | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | : Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide monthly taxes/tax calculations for XXX | 6/13 Client provided supporting docs for PITIA | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX years W2's for B1Missing XXX years Bonus income as required per Guidelines. Provide documentation that Borrower has received bonus for XXX years. | 6/13 Client provided an Email that " XXX years W2s are not required to determine bonus"; WVOE in file however condition remains for XXX years W2s supporting qualifying income per GLs6/16 Client provided an approved exception to allow the file with out the W2s | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; long term in profession, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing XXX XXX Agreement | 6/16 Client provided the execute exchange agreement | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $3521.59\*3= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's calculations for both borrowers. | 6.18.2025 Client provided Lender income calculation worksheet for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $3521.59\*3= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Review calculated XXX% DTI vs. DU XXX%, exceeding the XXX% tolerance due to lender excluding the tax/insurance payments associated with REO. Rerun DU including full PITI payment for REO. Mortgage P/I, tax and insurance (no hoa) evidence provided. | 6.18.2025 Client provided Lender updated DU submission #X with changes for an updated DTI of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $3521.59\*3= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal fee increased from $XXX to $XXX on LE XXX without a valid reason on the change of circumstance dated XXX . Zero tolerance cure required for $XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/19/25 Client provided a duplicate copy of the XXX COC and LE package along with the following Seller comment: Hello please find the revised LE reflecting reason for change in appraisal fee. This revised LE reflects a $XXX appraisal fee. Please accept. Condition remains. There is not a valid change in circumstance explanation for the increased Appraisal fee.05/22/25 Client provided an LOE from Lender with supporting screenshots of the XXX Appraisal Notes/History from XXX validating the fee increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of borrower's self-employment via third-party source no more than 120 days prior to the note date XXX, as outlined in the XXX program guides which state a borrower's website is not acceptable third-party source. VOE provided lists identifying source as internet/google. | 5/15 Client provided an approved exception to allow the file without the VVOE | xxx final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX employed for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX+ XXX Months for Additional REO or $ XXX X XXX = $XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX (including the EMD) leaving $XXX available in reserves. Total reserves required are $XXX, or XXX months PITI for the subject property plus XXX months PITIA for an additional financed property owned. Lender used assets of $XXX from an expired account statement and file is missing documentation verifying the withdrawal on XXX was for the EMD. | 6/18 Client provided evidence the $XXX EMD cleared account; sufficient assets verified | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | File is missing a CDA or CCA supporting appraised value of $XXX . Loan Collateral Advisor did not provide a score. | 6/18 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XX points above the minimum required score of XX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing additional borrower funds of $XXX to meet the reserves requirement for sequoia AUS guides; $XXX effective, $XXX to close, $XXX reserves; $XXX\*XXX+ REO $XXX\*XXX= $XXX reserves required. | 6.17.2025 Client provided exception approval to allow for short reserves of -$XXX | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, Fico score XXX at departure home over XXX years and with current employment over XXX years. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Page 1135 combined file:"The risk assessment of the loan casefile may not be accurate because the following accounts on the loan4application did not have a minimum monthly payment and DU was unable to calculate an accurate debt-to income ratio. The lender must ensure the DTI used in the risk assessment is accurate. If a payment must be included in the DTI, the payment amount must be entered on the loan application and the loan casefile resubmitted to DU. If the minimum monthly payment is $XXX, the lender must include documentation in the loan file confirming the $XXX payment amount. Deferred installment debts must be included as part of the borrower's recurring monthly debt obligations. For student loans, the lender may qualify the borrower with the $XXX payment if there is documentation to support that the $XXX payment is associated with an income-driven repayment plan; alternatively, the lender must either use XXX% of the outstanding balance as the estimated payment or derive a fully amortizing payment using the student loan documentation. (MSGID 0034)BORROWERCREDITORACCOUNT NUMBERBALANCEB1XXXXXX$XXXB1XXXXXX$XXXProvide updated DU findings. May be subject to additional conditions upon review. | 6/23 Client provided an Email; Upon review the two REO debts were included on B2 1003 and in the DTI | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | The following pages are cut off of the Mortgage. Page 2, 6, 7, 8, and 9. Pending receiving full/ complete pages of Mortgage. | 06/16/25 Client provided the complete pages to the DOT. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 85 points above the minimum required score of XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 1) Lender used monthly insurance, taxes, association dues etc. of $XXX for the borrower's departing residence to qualify. Documentation provided in the file verified monthly amount of $XXX. File is missing verification of the additional expenses.2) File is missing verification the HOA dues are paid annually for rental properties located at XXX , XXX, XXX, XXX,XXXt, and XXX. HOA dues statements provided in the file do not indicate if dues are annual, semi-annual, quarterly or monthly. | 5.22.2025 Client provided LOX stating, For all HOA statements, they are all January and appear to be annual, also based on Schedule E with supporting statements, that appears to match up to dues being annual. Can you please review for all REO. Response, all are reflected on Schedule E of 2023 1040's except departure: XXX: HOA monthly of $XXX+ $XXX taxes for total of $XXX/departure home XXX and LOX in file of not having HOI on departure home | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 85 points above the minimum required score of XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing verification of HOA dues/additional expense(s) of $XXXper month listed on the final 1003 for rental property owned located at XXX | 5.22.2025 Client provided LOX stating, HOA statement and insurance policy for 5XXX uploaded $XXX+XXX/XXX= $XXX. Response, HOA annual $XXX and HOI provided $XXX supports total of $XXX for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 85 points above the minimum required score of XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Lender used bonus income of $XXX/month and RSU income of $XXX/month to qualify based on multiple paystubs from 2025, 2024 and 2023. Paystubs show different income types such as CIP non deferred, CIP Active Employee, ExecPerfComp-NonDeferred, NQ50 - Cashless Exercise, and XXX - NonDeferred which lender used to calculate the bonus and RSU income. An XXX verification of income was provided in the file which does not show the YTD and 2023 bonus pay and does not show the YTD, 2024 or 2023 RSU pay. A written VOE (form 1005) from the employer showing the breakdown and clearly indicating the YTD and 2023 bonus pay and YTD, 2024 and 2023 RSU pay will be required. Additional review may be required upon receipt. | 6/11 Client provided an LOX, Upon review the file has YE paystubs supporting the CIP bonuses and RSU; RSU documented | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 85 points above the minimum required score of XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; XXX min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing evidence of the existence of all 4 borrower's XXX businesses to be verified through a 3rd party source no more than XXX days prior to note date XXX; VOES reflect internet search of companies and secretary of state registrations on CA.gov (not provided). | 5/22 Client provided 2 SE VOEs supporting each company dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; XXX min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Waived B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Lender's App Date is XXX; enclosed List of homeowners counseling organizations' issued date is XXX; the List w/ issued/receipt date w/i XXX business of the app date missing. | 05/21/25 Client provided an approved exception for HOCL not provided to borrower within XXX days of initial application | 05/21/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD XXX e-signed by both borrowers but a prior e-consent is missing in file. | 05/27/25 Client provided the accepted E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | All LEs are e-signed by both borrowers but a prior e-consent is missing in file. | 05/27/25 Client provided the accepted E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of the existence of borrowers XXX to be verified through a third-party source and no more than XXX calendar days prior to the Note date XXX. | 5/23 Client provided a XXX VOE dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX income calculations on form 1084 (or equivalent) required for income analysis. | 5/23 Client provided the 1084 | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXqual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Insurance | Satisfied B A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI effective date is XXX with disbursement date of XXX. | 6.19.2025 Client provided LOX stating, Disbursement date is showing as XXX - Response, HOI effective date is XXX which is after disbursement date of XXX; WA property, provide copy of Final HUD-1 Settlement statement to support disbursement date of XXX or later. 6/20 Client provided insurance dated XXX | Satisfied | Not Applicable | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo.. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% qualifying LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per disclosure tracking details, a revised Loan Estimate was issued on XXX which is missing from file. Provide missing LE. | 06/12/25 Client provided the missing XXX COC and XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XX\*XXX= $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance of $XXX due to Government recording fees on XXX with invalid reason in file. Provided COC PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information within XXX days of consummation. | 06/12/25 Client provided a missing XXX COC and XXX LE. Condition remains. The Recording Fee increased on the XXX CD, however the XXX COC does not validate this increase. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery.06/12/25 Client provided a XXX PCCD, $XXX refund check, LOE and Disclosure Tracking showing Sent by Mail. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XX\*XXX= $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of borrowers self-employment to be verified through a third-party source and be no more than XXX(XXX) calendar days prior to the Note date XXX. A borrowers website is not acceptable third-party source. | 6/12 Client provided a google search; Provide a XXX third party VOE within 30 days prior to close meeting XXX GLs 6.19.2025 Client provided post close dated (XXX) SOS for XXX business however is dated after closing, condition remains for prior to close SOS verifying XXX. 6.23.2025 Client provided VVOE dated XXX (post close dated) verifying XXX w/CPA however is also post close dated Condition remains 6.24.2025 Client provided exception approval to allow for post close dated CPA letter regarding XXX, this condition is being satisfied, adding correct VVOE condition due to receipt of a Post Close VVOE. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XX\*XXX= $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX calculation on form 1084 (or similar) required for income analysis. | 6/12 Client provided a 1084 | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XX\*XXX= $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of the existence of borrowers XXX to be verified through a third-party source and be no more than XXX(XXX) calendar days prior to the Note date XXX. A borrowers website is not acceptable third-party source. | 6/12 Client provided a google search; Provide a XXX third party VOE within 30 days prior to close meeting XXX GLs 6.19.2025 Client provided post close dated (XXX) SOS for XXX business however is dated after closing, condition remains for prior to close SOS verifying XXX. 6.23.2025 Client provided VVOE dated XXX (post close dated) verifying XXX w/CPA however is also post close dated Condition remains 6.24.2025 Client provided exception approval to allow for post close dated VVOE by Lender verifying w/CPA XXX and file having prior to closing YTD XXXP/L | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REOs $XX\*XXX= $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed in the same business for XXX years. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXXmonths 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXX XXX: $XXX x XXX = $XXXXXX: $XXX x XXX = $XX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXXor XXX months PITI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | No evidence in file of Non-borrowing spouse receiving a copy of initial CD XXX and revised CD XXX (resetting 3 day waiting period due to increased APR above permissible tolerance) at least 3 days prior to consummation date XXX | 06/02/25 Client provided the Disclosure Details reflecting the confirmed receipt and e-consent for the NBS on XXX and XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves are XXX months PITIA and required is XXX months PITIA<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX YEARS IN PROFESSION |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | H8 Form Used in Refinance With Original Creditor instead of H9 form | 05/24/25 Client provided an approved exception for using incorrect ROR form | 05/24/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves are XXX months PITIA and required is XXX months PITIA<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX YEARS IN PROFESSION |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of monthly HOA $XXX for departure residence, XXX | 5.20.2025 Client provided evidence of monthly HOA of $XXX for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 05/23/25 Client provided an LOE from Lender stating they only have 1 affiliate in Georgia. Subject property in SC. No fees paid to their Affiliate. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | State Consumer Protection | Satisfied B A | CMPSTCP1159 | SC Home Loans - Designated Agency Disclosure not in file | No | Missing SC Home Loans - Designated Agency Disclosure. | 06/05/25 Client provided the Designated Agency Agreement to the Purchase Contract (signed by borrowers XXX and Sellers XXX). Condition remains. Provide the SC Designated Agency Disclosure dated within XXX days of the Broker Application Date.06/18/25 Client provided the SC Agency to Receive Borrower Complaints form. Condition remains. Provide the missing SC Designated Agency Disclosure (SC Code Sec 40-57 - SC Disclosure of Real Estate Brokerage Relationships).06/24/25 Client provided a copy of the Mortgage Broker Fee Agreement. Upon review by internal Compliance counsel, the documentation received is acceptable. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing year end 2024 P&L for XXX | 6/5 Client provided the 2024 P&L | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the SFA Trid Grid, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXXXX: $XXX x XXX = $XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX = $XXX reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject, no additional REOs<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXqualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \*XXX (includes 3 addtl mos. for XXX= $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years,<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX due to Appraisal Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/25/25 Client provided a duplicate copy of the COC dated XXX, LE and Rate Lock. Condition remains. The COC does not provide any change description validating the Appraisal Fee increase. Borrower is due a refund of $XXX, Post CD with tolerance cure, LOE and proof of delivery that includes tracking information.06/26/25 Client provided another XXX COC that is completed along with the screenshot of the Appraisal Mgmt. Notes from XXX validating the fee increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX year at current employment |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: r |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Legal Documents | Satisfied C A | CRDLGL5480 | Trust Documents Not Acceptable/Not Executed | No | Certification of Trust is not dated or notarized. Provide signed/acceptable Trust Documents. | 6.19.2025 Client provided copy of executed Certification of Trustees Under Trust | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to added Title Endorsement fee on initial CD XXX with no valid COC in file. Borrower selected title provider from SPL and all title fees including Recording fee are tested for tolerance violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/16/25 Client provided a rebuttal Email from the Seller containing their XXX% testing. They confirm the Survey Deletion Fee that was disclosed on the LE is the Title Endorsement Fee disclosed on the CD (same Fee). As fee is considered an endorsement to title, re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide 2 full months bank statements for XXX XXX, XXX, XXX and XXX | 6/17 Client provided 2 months statements for each account | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide rent free letter for XXX | 6/17 Client provided an LOX that the Employer paid for their residence in XXX from XXX through XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of undisclosed REO disposition | 6.17.2025 Client provided property profile verifying B1 sold this property as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The final closing Disclosure does not reflect all the required seller - paid fees. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide sufficient documentation supporting exclusion of XXX REO from DTI, in B1's name on xxx Drive report. May be subject to additional conditions upon review. | 6.17.2025 Client provided property profile verifying B1 sold this property as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | 2024 and 2025 PL's not executed, please provide. | 6.17.2025 Client provided executed 2024 and YTD 2025 PL's for:XXX (using loss) and XXX (positive income used for qualifying) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide below for 1120s XXX'The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for XXX analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets.' | 6.17.2025 Client provided Lender Cash Flow Income Analysis for 1120s XXX (per initial condition) along with calculation of some losses for other employment. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI ReservesXXXMonths PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed reo<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. 6 months subject and XXX months REO met |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in XXX days of application XXX | 06/27/2025 Client provided missing List of homeowners counseling organizations dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX, XXX and XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at their current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX, XXX and XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at their current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing initial LE. | 06/27/2025 Client provided the missing LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX, XXX and XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at their current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves are $XXX or XXX months PITIA and required is XXX months plus XXX months for 1 REO<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min req |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one REO.> XXX is liquid, exceeding reserves requirements for use of asset depletion<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Final CD missing. | 06/23/25 Client provided the missing XXX Final CD signed at Closing on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure/FACTS sheet missing. | 06/23/25 Client provided an LOE from the Seller explaining that this is a correspondent loan they purchased from the originator and no affiliate relationship exists between the Lender and any third party involved in the transaction. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections B, E, & H are not disclosed on Initial CD XXX; Seller's CD in file & able to test; Condition pending receipt of missing Final CD. | 06/23/25 Client provided the fully executed Final CD. | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID5511 | TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section (SFIG 3.0) | No | Initial CD XXX, Monthly Non-Escrowed Amount in Projected Payments section is not matching w/ annual cost in the Loan Disclosures section; the amounts are incorrectly indicated in Projected Payments section as well; Condition pending receipt of missing Final CD for final testing. | 06/23/25 Client provided the missing XXX Final CD signed at Closing on XXX. All errors were corrected at Closing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID5555 | TRID - CD: Monthly Escrow Amount in Projected Payments is inconsistent with annual cost in Loan Disclosure section (SFIG 3.0) | No | Initial CD XXX, Monthly Escrow Amount in Projected Payments section is not matching w/ annual cost in the Loan Disclosures section; the amounts are incorrectly indicated in Projected Payments section as well; Condition pending receipt of missing Final CD for final testing. | 06/23/25 Client provided the missing XXX Final CD signed at Closing on XXX. All errors were corrected at Closing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | Initial CD XXX, Escrow values are incorrectly indicated in Projected Payments section; Condition pending receipt of missing Final CD for final testing. | 06/23/25 Client provided the missing XXX Final CD signed at Closing on XXX. All errors were corrected at Closing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Right of Rescission | Active C | CMPROR114 | ROR - Right of Rescission not executed by all title holders | Yes | Borrower is married - DOT indicates borrower a married man as his sole & separate property vs. Title indicates borrower & his spouse as joint tenants; ROR nor both Final & Initial CDs are signed via non-borrowing spouse; Subject loan 30 Yr Fx Prm R/T Refi. | 06/16/25 Client provided a duplicate copy of the Interspousal Transfer Grant Deed. Condition remains. The Deed was not executed until XXX (after Closing on XXX). Reopen rescission to both parties with LOE and proof of delivery. | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Right of Rescission | Active D | CMPROR4407 | ROR - No evidence that the material disclosures were delivered to all with rescission rights via TIL, CD or HELOC, as applicable | Yes | Borrower is married - DOT indicates borrower a married man as his sole & separate property vs. Title indicates borrower & his spouse as joint tenants; ROR nor both Final & Initial CDs are signed via non-borrowing spouse; Subject loan 30 Yr Fx Prm R/T Refi. | 06/11/25 Client provided the Addition and/or Amendment to Escrow Instructions. Condition remains. Spouse was on Title and file does not contain evidence they received the ROR, Initial CD or Final CD.06/16/25 Client provided a duplicate copy of the Interspousal Transfer Grant Deed. Condition remains. The Deed was not executed until XXX (after Closing on XXX, and removal of the spouse after the Initial CD was issued is not permitted per Client guidance. | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing evidence to verify the existence of all of borrower's XXX businesses to be verified through a third-party source and be no more than XXX calendar days prior to note date XXX All VOEs provided state that verification was obtained via business license from regulatory agency/Secretary of State printout however none were provided. Guides reflect a borrower's website is not acceptable third-party source. | 6.11.2025 Client provided SOS (undated) for both businesses: XXX and XXX however both are undated. Condition remains for dated prior to closing SOS or post close dated SOS for these two businesses. 3rd business income is a loss (nothing needed for 3rd business) 6.13.2025 Client provided post close dated (XXX) SOS for both businesses | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX calculations for All 3 businesses on form 1084 (or equivalent), required for income analysis. | 6.11.2025 Client provided vesting title documentation however initial condition is regarding missing lenders XXX calculation income worksheet (Form 1084 or equivalent) for ALL 3 businesses calculation. Condition remains 6.13.2025 Client provided Lender Cash Flow Income Analysis for all 3 businesses calculations used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX\*XXX + REOs $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support Appraised Value of $ XXX. CU score not located on UCDP or DU | 6.13.2025 Client provided LP AUS Approval however initial condition is for missing CU Score 2.5 or less or 3rd party CDA supporting appraised value. File was DU Approved. Condition remains for CU Score 2.5 or less (UCDP) or CDA supporting value6.16.2025 Client provided updated 1008 (showing as LP underwritten vs DU underwritten) and provided LCA Risk 1.0 and previously provided LP submission #18 (post close dated), condition remains for prior to closing LP approval to review along with post close LP approval #18. Note: appears lender provided a snipshot of submission #17 and have a stamp date of XXX; if this submission #17 is prior to closing, please provide full copy of this LP (#17) prior to closing approval 6.18.2025 Client provided prior to closing LP Approval (submission #17) and updated LP submission #18 and previously provided the LCA Risk Score 1.0 to support value being supported, loan previously was DU and now is LP reviewed to use the LCA Risk Score 1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXXreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of XXXAppraisal Rush Fee of XXX added on Revised CD XXX w/o indicating a valid reason on COC Lender Credit NOT indicated on Final CD XXX nor PCD XXX; Corrected PCD, LOX, refund, & proof of delivery missing. | 06/20/25 Client provided a XXXPCCD with cure, LOE, $XXX refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.06/25/25 Client provided the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX + REO $XXX\*XXX= $XXXreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees and Realtor Commission Fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending D | Compliance | Ability to Repay/Qualified Mortgage | Active D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | Yes | Determine status history upon review / receipt of missing employment, income and debt documentation | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending D | Compliance | TILA/RESPA Integrated Disclosure | Active C | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | Yes | Missing initial CD. | 06/27/2025 Client provided missing Initial CD XXX with E-sign summary for LE XXX showing Per loan E-Consent and a COC for LE XXX Condition remains. Provide evidence of receipt for Initial CD XXX for both Borrowers a minimum a XXX Business days before closing. | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending D | Compliance | TILA/RESPA Integrated Disclosure | Active C | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | Yes | Missing initial CD. | 06/27/2025 Client provided missing Initial CD XXX with E-sign summary for LE XXX showing Per loan E-Consent and a COC for LE XXX. Condition remains. Provide evidence of receipt for Initial CD XXX for both Borrowers a minimum a XXX Business days before closing. | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending D | Credit | DTI | Active D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | Yes | Provide documentation supporting Tax/Ins/Hoa amounts reflected on the 1003 for both Farm REOs. Reviewed used Lender figures until further review. Subject to DTI and reserves recalc, may be subject to additional conditions upon review. | 6/26 Client provided an Email but no supporting docs for Tax Ins or HOA dues was found; re send6.26.2025 Client provided PITIA verification for XXX however initial condition is for verification of PITIA being used on REO of 1003 for both address: XXX and XXX. Condition remains for evidence of PITIA verification used on 1003 for both Farm REO's supporting the amount listed on 1003/REO | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending D | Credit | Income/Employment | Active B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Note date XXXB2 job start date XXXProvide prior VOE from XXX - XXX to complete required XXX month employment history. May be subject to additional conditions upon review. | 6/24 Client provided VOE for current job beginning XXX; Condition is for prior VOE | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | ATR/QM: Status Pending D | Credit | Income/Employment | Active D | CRDINC2408 | Income verification does not meet guidelines | Yes | Note date XXXB2 job start date XXX.Provide prior WVOE from XXX - XXX to complete required XXX month Bonus income history. Subject to income recalc and may be subject to additional conditions upon review. | 6/24 Client provided VOE for current job beginning XXX; Condition is for prior VOE | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Active C | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | Yes | XXX% tolerance in the amount of $XXX due to title fees increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX%DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for XXX analysis. | 6/20 Client provided the 1084 income WS supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX%DTI is below the maximum allowed DTI of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DT is below guideline maximum of XX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score is below guideline minimum of XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score is above guideline minimum of XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for XXX B1 XXX% owner | 6.17.2025 Client provided 3rd party SOS dated XXX for business: XXX for B1 and k1's in file support being XXX% owner | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets sourced $XXX. Post-closing reserves. Cash reserve $$XXX or XXX PITI months reserves. Required reserves: Subject XXX months PITI, and $XXX in reserves for XXX#XXX outstanding balance. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Final CD XXX, section Loan Disclosures Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending receiving corrected PCD with LOE to borrower. | 06/24/25 Client provided an LOE to Borrower and corrected XXX PCCD. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets sourced $XXX. Post-closing reserves. Cash reserve $$XXX or XXX PITI months reserves. Required reserves: Subject XXX months PITI, and $XXX in reserves for XXX#XXX outstanding balance. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX bank statement for XXX#XXX. XXX bank statement in the file. | 6.23.2025 Client provided XXX Asset verification for XXX #XXX dated XXX with history from XXX - XXX and Wells Fargo full XXX statement in file | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets sourced $XXX. Post-closing reserves. Cash reserve $$XXX or XXX PITI months reserves. Required reserves: Subject XXX months PITI, and $XXX in reserves for XXX#XXX outstanding balance. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increased Credit Report fee on CD XXX. COC XXX in file is stating fee increased due to added borrower. Loan originated and closed with only one borrower. Invalid reason for this increase. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/17/25 Client provided a XXX COC indicating credit re-pulled with borrower authorization to increase credit score, along with an Email confirmation from the Borrower (dated XXX) agreeing to the credit report in an effort to re-score (new CR in file dated XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETS Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 06/03/25 Client provided a duplicate copy of the Counseling Acknowledgment. Condition remains. Provide the full 10 organizations List for review.06/11/25 Client provided 2 more duplicate copies of the Counseling Acknowledgment only. Condition remains. Provide the full 10 organizations List for review.06/25/25 Client provided the XXX Homeownership Counseling Organization List including the 10 required agencies. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Waived B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | 06/25/25 Client provided the missing Homeownership Counseling Organization List including the 10 required agencies, however the disclosure date is XXX which is more than 3 days from Application. | 06/25/25 Client provided an approved exception for the HC List timing violation. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Only 2023 business tax returns due to 2024 on extension, missing 2nd year business tax returns | 6.20.2025 Client provided LOX stating, 2022 returns for XXX and XXX in loan file. Business returns are not required for XXX. Please advise what is missing. Response, Agree file have 2022 and 2023 business returns for both businesses XXX and XXX and XXX is < XXX% owner and file having 2023/2022 k1 however upon review of income documents appears for Year 2022 XXX k1 (pg. 688) reflect XXX% owner was XXX. (XXX) and our borrower became XXX% owner of this business in year 2023 (per k1 pg. 712), positive income is being used for qualifying for this business: XXX however Year 2022 borrower did not have any ownership and Year 2023 borrower now having XXX% ownership and 2024 is under extension. Note: appears XXX was XXX% owner of this business: XXX in Year 2022 and now in Year 2023 borrower is XXX% owner. DTI is still under review and Final 1003 reflect no start date for Borrower employment w/XXX (left blank) 6/23 client provided an Email that " Borrower is qualifying with W-2 wages only from XXX and XXX, not using any K-1 income from XXX. LOX in file indicates he joined in 2023" Upon review removed income from XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing insurance policy covering loan amount of $XXX. | 6/19 Client provided the insurance replacement cost estimate showing sufficient coverage exists | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD XXX was e-signed by borrower on XXX; however, there is no evidence in file of when it was delivered to the borrower. Product not disclosed at least XXX day prior to closing date of XXX. Confirmed Receipt of the Initial CD on XXX does not provide the required XXX day waiting period before Closing on XXX | 06/09/25 Client provided the XXX disclosure tracking details confirming borrower received and Viewed the CD on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD XXX was e-signed by borrower on XXX; however, there is no evidence in file of when it was delivered to the borrower. Confirmed Receipt of the Initial CD on XXX does not provide the required XXX day waiting period before Closing on XXX. | 06/09/25 Client provided the XXX disclosure tracking details confirming borrower received and Viewed the CD on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 0x30x12 verification of rent for XXX in accordance with XXX AUS guides. | 6/20 Client provided the VOR | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt on missing income and VOE docs | 6/27 Client provided the executed Offer letter | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | The file does not contain a copy of the Affiliate Business Disclosure, the FACTS disclosure reflects XXX | 06/10/25 Client provided a signed LOE from Lender stating they are only affiliated with XXX in MO and IL. Subject is in MD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Note date XXXB1 start date XXXProvide missing prior VOE from XXX - XXX to complete required 24 month employment history. May be subject to additional conditions upon review. | 6/16 Client provided the Prior VOE through XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date for the co-borrower's new employment. A letter from the new employer is expired. | 6/9 Client provided a XXX dated VVOE to verify Bwr is still scheduled to begin new employment XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | LP requires a YTD paystub for the co-borrower; however, start date with new employment is XXX and paystubs provided in the file are from the previous employer. File is missing a copy of the employment offer letter or employment contract that is fully executed and accepted by the borrower and is non-contingent or provide documentation, such as a letter or e-mails from the employer verifying all contingencies have been cleared. A letter from the new employer provided in the file does not indicate if all contingencies have been met and Freddie Mac guidelines do not indicate a letter from the new employer is acceptable in lieu of the fully executed employment offer letter or employment contract. | 6/9 Client provided a confirmation letter and VVOE confirming Borrower is scheduled to start new employment XXX with no open contingencies listed; However, the file is missing the fully executed Offer letter, which is required per FNMA to be executed by both employer and Borrower. 6/18 Client provided a XXX Email from the projected employer indicating there are still open contingencies such as background check and conflicts check remaining prior to employment; Provide evidence that all pre employment contingencies have been satisfied and the file is also missing the fully executed offer letter. 6/23 Client provided an Email that the Borrower has no more open contingencies and is Clear to start new employment; Condition remains for the fully executed offer letter required per FNMA to be executed by both employer and Borrower. 6/26 Client provided a signed Email from Employer indicating no contingencies remain (from the offer letter) and that Borrower is clear to start work XXX However, the file is missing and the condition remains for the fully executed initial Contract/ Job offer letter signed by al parties per FNMA GLs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co borrower at current employment XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX + REO $XXX \* XXX= $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verification of the existence of borrowers XXX to be verified through a third-party source and be no more than XXX calendar days prior to the Note date XXX. Pre-close voe provided reflects business was verified via borrower's license however evidence of license was not provided. A borrowers website is not acceptable third-party source. | 6.19.2025 Client provided SOS dated XXX verifying existence of business: XXX and provided VVOE for 2nd job income that is being used w/XXX dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX and wage earner income calculations on form 1084 (or equivalent) and on income calculation worksheet or 1008, respectively, required for income analysis. | 6.19.2025 Client provided Lender Cash Flow Income Analysis with 1st income: XXX income calculation that is being used for qualifying, 2nd job income is w2 wage income | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No | Provide evidence to verify the security deed to XXX dated XXX for $XXX has been satisfied, cancelled and removed from title. | 6.19.2025 Client provided updated Title with removal of other lien w/XXX dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing appraisal dated XXX with value of $XXX being used to qualify; pdf provided only has appraisal dated XXX with value of $XXX. Once provided review should update system entries accordingly. | 6.19.2025 Client provided copy of both appraisals in which is required for this refinance transaction with loan amount of $XXX; 1st appraisal dated XXX $XXX and 2nd appraisal dated XXX $XXX; lowest value is being used for an LTV/CLTV of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX in the same business for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX\*XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 06/19/25 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | 06/19/25 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of subject property taxes used in AUS of $XXX/month. The Tax Record Information Sheet is blank and there are no escrows shown on Final CD. | 6.20.2025 Client provided Letter from Title Escrow Officer verifying proposed taxes for subject property in the amount of $XXX for monthly $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are conservative credit users; minimal outstanding debt. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file; needed in order to complete fee entry | 06/13/25 Client provided the Seller CD. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Borrower's business XXX has XXX% ownership interest in parent company XXX which pays borrower a regular W2 salary. File is missing the following:1) Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date from parent company.2) Verification of the existence of borrowers business verified through a third-party source and no more than XXX(XXX) calendar days prior to the Note date. | 6.17.2025 Client provided SOS dated XXX for XXX and XXX however still missing VVOE for parent company XXX 6/19 Client provided the VOE for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a Closing Disclosure was issued on XXX which is missing from the file. | 06/24/25 Client provided the missing XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX years at current employment |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing verification of XXX and XXX rent payments from departing residence verifying 0X30 late payment in the last XXX months. | 6/25 Client provided an Email that XXX and XXX rent payments were in the file; Upon review not located in file; Condition remains for verification of XXX and XXX rent payments from departing residence verifying 0X30 late payment in the last XXX months.6/26 client provided CC statement with rental payments for XXX and XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% % DTI is below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule. | 06/23/25 Client provided the XXX LE Disclosure Tracking Details confirming receipt on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX Min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves are XXX or XXX months PITIA and required is XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI with XXX MAX DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | CD XXX : Escrow section - You will have an escrow account is indicated, but Initial Escrow Payment is Null. . Condition is pending LOX with corrected PCD to borrower. | 06/19/25 Client provided an LOE to borrower and corrected XXX PCCD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing DU approve/ineligible per 1008 | 6.17.2025 Client provided DU Approve/Ineligible findings Casefile ID XXX Submission #X submission dated XXXNote: DU reflect X of a cash flow assessment could not be conducted due to insufficient history of asset verification, don't appear to have any effect on DU Approval | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 6.12.2025 Client provided LOX stating, XXX accepts xxxs QM designation of QM APOR | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 105 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | A mortgage statement for borrowers' retained departure residence verified taxes and insurance are escrowed. Final 1003 shows additional monthly expense of $XXX. File is missing verification of this expense. | 6.16.2025 Client provided Lender UW LOE stating additional $XXX was for HOA dues and HOI, taxes were escrowed. Response, condition remains for HOA supporting $XXX (did not locate HOA in file), however HOI in file supporting $XXX mo. for departure residence: XXX Missing HOA 6/18 Client provided the HOA bill confirming $XXX payment | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 105 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX + XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added CDA fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/23/25 Client provided the CDA Invoice, a XXX COC and XXX Email from the loan Underwriter requesting the CDA order. Condition remains. The COC does not explain what "change" occurred that resulted in the CDA order. 06/25/25 Client provided an explanation for the CDA order due to the CU Rating of XX and LCA Rating of X. UCDP in file confirms. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX + XXX Months for Additional REO or $ XXX X XXX = $ XXX |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections B & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of XXX months PITI or $XXX exceed guideline of XXX months PITI for FTHB. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Waived C B | CRDTER4643 | Borrower does not meet guideline requirements | No | Loan closed in XXX Trust, not allowed per guidelines | 6.23.2025 Client provided exception approval to allow for closing in XXX Trust | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, DTI XXX% with verified reserves of $XXX and fico score XXX | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of XXX months PITI or $XXX exceed guideline of XXX months PITI for FTHB. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Borrowers have a State Tax Lien #XXX found on 3rd party fraud report, for $XXX dated XXX paid | 6.23.2025 Client provided County Clerk history of liens however need to verify the lien in question is paid in full. Condition remains 6.23.2025 Client provided evidence State Tax Lien #XXX have been recorded with CA as a release of Lien | condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide 2024 1040 Extension | 6/19 Client provided the 2024 1040 extension | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing terms of subordinated 2nd loan with XXX , subject to recalculation of all income when title comes in correctly | Missing terms of subordinate 2nd loan with XXX, lender 1008 and DU DTI is XXX% and DD Firm DTI is XXX%; appears difference in DTI is due to: (1). Lender 1008 using $XXX for subject 2nd lien payment and verified payment on Lender approval is $XXX and (2). missing XXX months evidence of business paying XXX #XXX(payment $XXX) (removed from our DTI) per Lender UW memo in file (pg. 917) stating we verified XXX months paid on time by business. Note: if final DTI is XXX% due to 2nd lien payment being higher, updated DU will be required, currently DU DTI is XXX%6.17.2025 Client provided most recent XXX months business bank statements XXX #XXX (XXX - XXX) verifying business making monthly payment of $XXX XXX Bank debt (omitted from DTI), in addition Lender provided a calculator using interest only with loan amount of $XXX and payment of $XXX however loan approval in file reflect based on minimum draw of $XXX initial HELOC mortgage payment is $XXX; condition remains file now have different information regarding monthly 2nd payment, currently DD Firm is using the HELOC approval payment of $XXX in file for a DTI of XXX% and Lender using monthly HELOC payment of $XXX for DTI of XXX% 6.17.2025 Client provided exception approval to allow for Lender interest only calculation for monthly payment of $XXX which is the DU approval DTI of XXX% however when considered the Lender HELOC approval in file that reflect monthly payment would be $XXX based on minimum draw of $XXX (pg. 354) in which would require an updated DU to support an DTI of XXX%; DTI still within guidelines maximum considering the higher monthly HELOC payment of $XXX | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, Low HCLTV XXX%, FICO Score XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: CLTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | 1)Missing corrected title in borrowers name, still in business name, 2)missing verification borrower has owned the property for a minimum of XXX months per DU for cash out proceeds 3) title must be free and clear of all loans except new 1st and 2nd mortgages on subject property | 6.11.2025 Client provided LOX regarding initial condition. Response, warranty deed in file (pg. 591) out of LLC name into borrower name, XXX months evidence verified owned since XXX (pg. 535) and per email from Title was free and clear of liens (pg. 536) however Title #6 do reflect a Notice of Commencement (pg. 881) and file having an email from Title (pg. 498) stating We have reached out to the contractor for the Final Affidavit and will have the borrower sign a Termination at closing to be recorded. Condition remains for a copy of this signed Termination (from closing) by Borrower along with the Final Affidavit from contractor OR provide Final Title with clearance of this item (#6) 6.17.2025 Client provided copy of Final Title Commitment dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: CLTV XXX% |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing VOEs and disposition of undisclosed REO | 6/11 Client provided REO docs and VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Provide sufficient documentation to source the following deposits. May be subject to additional conditions upon review.1. XXX# XXX XXX XXX2. XXX# XXX XXX XXX3. XXX# XXX XXX XXX | 6/20 Client provided documents to source the deposits | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide documentation supporting XXX from exclusion on 1003 / 1008 and DTI. This property is reflected on xxx's Drive report. May be subject to additional conditions upon review. | 6.10.2025 Client provided LOX requesting full address: XXX is full address. Condition remains 6/11 Client provided a XXX report showing Bwr does not own XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Per guidelines, provide XXX calc worksheets for each of below, meeting requirements.1. XXX2. XXX | 6.10.2025 Client provided Lender Cash Flow Analysis for both businesses: 1120s XXX and 1120s XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VOES for both 1120s used for qualification, meeting XXX guidelines. VOES reference XXX - no printouts in file. Business website printout in file also insufficient. May be subject to additional conditions upon review. | 6.10.2025 Client provided exception approval to allow for Lender VVOE in file (for both 1120s businesses) stating verified XXX with business search and CPA Letter in file verifies have filed the 2023 tax returns and not aware of any changes to the filed return and file having signed dated end of year 2024 P/L and YTD March 2025 P/L for both businesses. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, FICO Score XXX, DTI XXX%, Low LTV XXX% and with current XXX over XXX years | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Per 1008 and 1003 Lender used XXX monthly income from 1120s XXX Provide updated DU findings reflecting this income amount. May be subject to additional conditions upon review. | 6/24 Client provided an Email that " DU includes all income used to qualify including XXX income"; Upon review both Lender income Worksheets and DD income WS show that the $XXX income used to qualify is only from XXX; XXX income $XXX was not included; DD not using income from XXX and qualifying only with $XXX. validated for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage only indicates/signed by Borrower 1 and 2 only. All XXX borrowers on Title. Mortgage missing Borrower XXX. | 06/18/25 Client provided an Email LOX and the following Seller comment: The borrowers parents are Cosigners. Please see LOX. They are then not required to sign the Mortgage. Condition remains. The parents are on Title and therefore required to sign the Mortgage.06/25/2025 Client provided recorded Mortgage deed XXX and Final Title Policy XXX not listing parents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C | Compliance | Ability to Repay/Qualified Mortgage | Active C | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a riskier status than the Lender's status determination. | Yes | Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a riskier status than the Lender's status determination. Borrowers DTI XXX%. For Borrowers departing residence lender used $XXX/month PITI to offset the payment. Using this PITI rental income was positive and not used. The most current mortgage statement shows $XXX/month. Using Lease of $XXX x XXX%% rental income is now a negative $XXX/month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C | Credit | DTI | Active B | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | Borrowers DTI XXX%. For Borrowers departing residence lender used $XXX/month PITI to offset the payment. Using this PITI rental income was positive and not used. The most current mortgage statement shows $XXX/month. Using Lease of $XXX x XXX%% rental income is now a negative $XXX/month. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C | Credit | Income/Employment | Active C | CRDINC888 | Income Amount is Unsupported by Documentation in File | Yes | Borrower 2 is employed with XXX and XXX. Gift sources came from Bank Statements for XXX and XXX, therefore B2 is employed by Family. Provide XXX years most recent tax transcripts and Borrowers potential ownership in the business. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. ALTA Settlement in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%. |
| XXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX |

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|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-7** |
| **Start - End Dates:** | **2/3/2025 - 6/24/2025** |
| **Deal Loan Count:** | **132** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *132* |
| ***Loans with Conditions:*** | *107* |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | B | A | A | A | C | B | C | B | B | A | A | A | C | B | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | D | D | A | A | A | D | D | D | D | D | A | A | A | D | D | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | D | D | D | A | A | D | D | D | D | D | D | A | A | D | D | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | C | A | A | A | A | C | C | C | C | A | A | A | A | C | C | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| XXXX | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| XXXX | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | C | C | C | C | A | A | C | C | C | C | C | C | A | A | C | C | No |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |

---

## Exhibit 99.7

**Exhibit 99.7**

**EXHIBIT 99.7 CLAYTON WAIVED CONDITIONS SUMMARY**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-7** |
| **Start - End Dates:** | **2/3/2025 - 6/24/2025** |
| **Deal Loan Count:** | **132** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 2 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | 1 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | Income/Employment | CRDINC126 | Length of employment/self-employment does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 3 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 1 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 1 |
| Compliance | RESPA | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 2 |
| Compliance | RESPA | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | 1 |
| **Total** |  |  |  | **17** |

---

©2025 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 99.8

**Exhibit 99.8**

**EXHIBIT 99.8 amc diligence, LLC ("AMC") due diligence executive summary**

![](tm2519742d1_ex99-8img01.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in May 2025 through June 2025 on mortgage loans with origination dates in November 2024 through June 2025 via files imaged and provided by the original client for review.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 62 mortgage loans totaling an aggregate original principal balance of approximately $77.278 million.

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

AMC's Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. AMC does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population. As such, AMC cannot state the overall sample size.

**(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 mortgage loan file as captured by AMC. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate |  |

---

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.**

AMC reviewed 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 AMC. 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, AMC 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.

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**Credit Report:** AMC'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, AMC: (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:** AMC 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 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:** AMC 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, AMC 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 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.

**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.

**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.

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If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**(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.

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 or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. 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.

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

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

**(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> 

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;

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> 

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> 

i) failure to provide the applicable home equity initial and account opening disclosures <br> 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> 

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> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements as applicable.

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&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> 

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;

&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> 

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> 

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

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> 

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.

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&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;

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

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> 

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;

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> 

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;

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.)

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

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)).

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:

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| | |
|:---|:---|
| 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. |

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

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

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In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage 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, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are 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.

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> 

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.

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**(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;**

**(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;▪ Initial application (1003);

▪ Underwriting summary / loan approval (1008);

▪ Credit report;

▪ Income and employment documentation;

▪ 4506T;

▪ Asset documentation;

▪ Sales contract;

▪ Hazard and/or flood insurance policies;

▪ Copy of note for any junior liens;

▪ Appraisal;

▪ Title/Preliminary Title;

▪ Final 1003;

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

▪ Right of Rescission Disclosure;

▪ Mortgage/Deed of Trust;

▪ Note;

▪ Mortgage Insurance;

▪ Tangible Net Benefit Disclosure;

▪ Subordination Agreement;

▪ FACTA disclosures;

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

▪ Initial and final GFE's;

▪ HUD from sale of previous residence;

▪ Final HUD-1;

▪ Initial TIL;

▪ Final TIL;

▪ Loan Estimates;

▪ Closing Disclosures; and

▪ 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.

**(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.

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**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;45 | &nbsp;&nbsp;62 | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &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;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**62** |
| &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;85.48% | &nbsp;&nbsp;72.58% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;59.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;14.52% | &nbsp;&nbsp;27.42% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;40.32% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**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<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***21*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**30** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 62 mortgage loans reviewed, 60 unique mortgage loans had 81 different tape discrepancies across 11 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Investor: Qualifying Total Debt Ratio and Note Date. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;50 | &nbsp;&nbsp;62 | &nbsp;&nbsp;80.65% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;9 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;62 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;62 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;62 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;62 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**933** | &nbsp;&nbsp;**8.68%** | &nbsp;&nbsp;**62** |

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**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

(some totals may not add due to rounding)

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| | | | | |
|:---|:---|:---|:---|:---|
| &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;62 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$77278480 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77278480** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$77278480 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77278480** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;5 | &nbsp;&nbsp;8.06% | &nbsp;&nbsp;$5249300.00 | &nbsp;&nbsp;6.79% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;$2837000.00 | &nbsp;&nbsp;3.67% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;48 | &nbsp;&nbsp;77.42% | &nbsp;&nbsp;$59124450.00 | &nbsp;&nbsp;76.51% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;6 | &nbsp;&nbsp;9.68% | &nbsp;&nbsp;$10067730.00 | &nbsp;&nbsp;13.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77278480** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$77278480 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77278480** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;28 | &nbsp;&nbsp;45.16% | &nbsp;&nbsp;$35971405.00 | &nbsp;&nbsp;46.55% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;$4145597.00 | &nbsp;&nbsp;5.36% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;30 | &nbsp;&nbsp;48.39% | &nbsp;&nbsp;$36073478.00 | &nbsp;&nbsp;46.68% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.61% | &nbsp;&nbsp;$1088000.00 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77278480** | &nbsp;&nbsp;**100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;59 | &nbsp;&nbsp;95.16% | &nbsp;&nbsp;$73760650.00 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;$3517830.00 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77278480** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;19 | &nbsp;&nbsp;30.65% | &nbsp;&nbsp;$25116675.00 | &nbsp;&nbsp;32.50% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;38 | &nbsp;&nbsp;61.29% | &nbsp;&nbsp;$46281959.00 | &nbsp;&nbsp;59.89% |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;5 | &nbsp;&nbsp;8.06% | &nbsp;&nbsp;$5879846.00 | &nbsp;&nbsp;7.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77278480** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Credit/Compliance - TRID | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$77278480.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$77278480.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.9

**Exhibit 99.9**

**EXHIBIT 99.9 amc loan SECURITIZATION report set**![](tm2519742d1_ex99-9img001.jpg)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** |  |  |  |  |  |  |  |  |
| **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** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXX | 1 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 2 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 3 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 4 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 5 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 6 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 7 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 8 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 9 | XXX |  |  | A | C | A | C | A | B | A | B |  |
| XXX | 10 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 11 | XXX |  |  | B | C | A | C | B | A | A | B |  |
| XXX | 12 | XXX |  |  | A | C | A | C | A | A | A | A |  |
| XXX | 13 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 14 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 15 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 16 | XXX |  |  | C | C | A | C | A | B | A | B |  |
| XXX | 17 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 18 | XXX |  |  | B | C | A | C | A | A | A | A |  |
| XXX | 19 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 20 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 21 | XXX |  |  | B | C | A | C | B | B | A | B |  |
| XXX | 22 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 23 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 24 | XXX |  |  | C | B | A | C | A | B | A | B |  |
| XXX | 25 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 26 | XXX |  |  | B | C | A | C | B | A | A | B |  |
| XXX | 27 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 28 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 29 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 30 | XXX |  |  | B | A | A | B | A | A | A | A |  |
| XXX | 31 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 32 | XXX |  |  | B | A | A | B | A | A | A | A |  |
| XXX | 33 | XXX |  |  | A | C | A | C | A | A | A | A |  |
| XXX | 34 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 35 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 36 | XXX |  |  | B | C | A | C | B | A | A | B |  |
| XXX | 37 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 38 | XXX |  |  | B | A | A | B | B | A | A | B |  |
| XXX | 39 | XXX |  |  | C | B | A | C | A | B | A | B |  |
| XXX | 40 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 41 | XXX |  |  | A | C | A | C | A | A | A | A |  |
| XXX | 42 | XXX |  |  | D | C | A | D | A | B | A | B |  |
| XXX | 43 | XXX |  |  | C | C | A | C | A | A | A | A |  |
| XXX | 44 | XXX |  |  | A | C | A | C | A | B | A | B |  |
| XXX | 45 | XXX |  |  | A | C | A | C | A | B | A | B |  |
| XXX | 46 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 47 | XXX |  |  | C | C | A | C | A | B | A | B |  |
| XXX | 48 | XXX |  |  | C D | C | A | C D | A | A | A | A |  |
| XXX | 49 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 50 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 51 | XXX |  |  | A | B | A | B | A | A | A | A |  |
| XXX | 52 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 53 | XXX |  |  | C | B | A | C | A | B | A | B |  |
| XXX | 54 | XXX |  |  | C | A | A | C | B | A | A | B |  |
| XXX | 55 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 56 | XXX |  |  | C | C | A | C | A | A | A | A |  |
| XXX | 57 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 58 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 59 | XXX |  |  | A | B | A | B | A | B | A | B |  |
| XXX | 60 | XXX |  |  | A | A | A | A | A | A | A | A |  |
| XXX | 61 | XXX |  |  | C | A | A | C | A | A | A | A |  |
| XXX | 62 | XXX |  |  | A | A | A | A | A | A | A | A |  |

---

![](tm2519742d1_ex99-9img001.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** | **Run Date - 7/2/2025 11:15:39 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC 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** |
| XXX | 1 | XXX |  | 33584089 |  |  | 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. |  |  |  |  | Buyer Comment (2025-04-15): Seller acknowledges exception, no change in grading |  |  | 04/15/2025 | 2 B |  | XXX | Primary | Purchase | Good Faith Redisclosure B A | XXX | XXX | Yes |
| XXX | 4 | XXX |  | 33584101 |  |  | 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. |  |  |  |  | Buyer Comment (2025-05-08): Seller acknowledges the exception, no change to grading. |  |  | 05/08/2025 | 2 B |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 9 | XXX |  | 33584125 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was last disclosed as $[redacted] on the Initial Loan Estimate but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-21): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-05-20): Please see the attachment. |  | 05/21/2025 |  | 2 C B |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXX | XXX | Yes |
| XXX | 9 | XXX |  | 33584123 |  |  | 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] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-05-15): [redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-05-14): [redacted] : Please see the attachment. | 05/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | No Defined Cure B A | XXX | XXX | No |
| XXX | 10 | XXX |  | 33584136 |  |  | 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. |  |  |  |  | Buyer Comment (2025-05-14): Seller acknowledges exception, no change to grading. |  |  | 05/14/2025 | 2 B |  | XXX | Primary | Purchase | Good Faith Redisclosure B A | XXX | XXX | Yes |
| XXX | 11 | XXX |  | 33584139 |  |  | 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. |  |  |  |  |  | Buyer Comment (2025-05-14): Seller acknowledges exception, no change to grading. |  |  | 05/14/2025 | 2 B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 11 | XXX |  | 33584141 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-20): [redacted] received internal comment snips for changes made.<br>Buyer Comment (2025-05-20): Please see the attached internal screenshot confirming that [redacted] placed the CDA order on [redacted]. The correspondent lender also received the order on [redacted] and disclosed the CDA fee on the [redacted] CD-within [redacted] days of becoming aware of the request. As this is a correspondent loan, the correspondent lender is responsible for disclosures and fee updates. They were not aware of the CDA requirement until [redacted] and disclosed the fee within the required timeframe.<br>Reviewer Comment (2025-05-20): [redacted] received rebuttal, however UCDP report is dated [redacted] with CU score of [redacted] and fee added on [redacted] which is not within [redacted] days of [redacted]. A valid Changed Circumstance within [redacted] days or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-19): Please be advised this is a correspondent loan where the partner orders and obtains the CDA. Please see attached internal screenshots confirming we requested the CDA on [redacted], the partner had requested that we clear the appraisal conditions on [redacted] and we advised that we were still in need of the CDA. The fee was added to the [redacted] CD and disclosed to the borrower when the partner was aware of the fee and placed the order for the CDA.<br>Buyer Comment (2025-05-19): Please be advised this is a correspondent loan where the partner orders and obtains the CDA. Please see attached internal screenshots confirming we requested the CDA on [redacted], the partner had requested that we clear the appraisal conditions on [redacted] and we advised that we were still in need of the CDA. The fee was added to the [redacted] CD and disclosed to the borrower when the partner was aware of the fee and placed the order for the CDA. | 05/20/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXX | XXX | Yes |
| XXX | 11 | XXX |  | 33584143 |  |  | 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] business days prior to closing. | The file only contained a CD that reflected a Closing Date of [redacted] and was signed [redacted] along with a Closing Disclosure issued post close on [redacted]. Please provide all missing Closing Disclosures issued to the borrower. |  |  |  | Reviewer Comment (2025-05-14): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-05-14): Please see the attached acknowledged CD. | 05/14/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | No Defined Cure B A | XXX | XXX | No |
| XXX | 12 | XXX |  | 33584146 |  |  | 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] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-05-15): [redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-05-14): Please see the attached verification it was received same day. | 05/15/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | No Defined Cure A | XXX | XXX | No |
| XXX | 15 | XXX |  | 33787185 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of real estate, verifying the total net equity received and that all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-06-17): Closing statement received. Exception cleared.<br>Buyer Comment (2025-06-17): Please see attached, settlement statement confirming funds from the sale of the non-subject property. | 06/17/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 16 | XXX |  | 33787193 |  |  | 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 (2025-06-19): Using [redacted] months average of [redacted] distribution income, DTI is lowered under [redacted]. Exception cleared.<br>Buyer Comment (2025-06-18): Please clear this based upon our response to the other exception and updated 1003 and 1008 | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Cash-out - Other | C B A | XXX | XXX | No |
| XXX | 16 | XXX |  | 33787195 |  |  | 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. | The COC does not reflect the actual reason for the pricing change for the increase in discount points on the LE dated [redacted] |  |  |  | Reviewer Comment (2025-06-18): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-06-17): Please see attached, pricing change confirmation the points were altered by the change in CLTV which occurred when the appraisal came back less than the borrower initially estimated. Please see pages [redacted] & [redacted] . The two LEs on the referenced pages confirm the est prop value was reduced from [redacted] | 06/18/2025 |  |  | 1 C A |  | XXX | 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 | XXX | XXX | Yes |
| XXX | 16 | XXX |  | 33787194 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Please provide evidence the Master Condominium policy contains Flood Insurance Coverage, as required. |  |  |  | Reviewer Comment (2025-06-19): Current master condo flood policy was provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-06-17): PLease see attached, condo insurance information as requested. | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Cash-out - Other | C B A | XXX | XXX | No |
| XXX | 16 | XXX |  | 33787192 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due to mortgage on retained REO investment property was paid off, however, the property insurance and taxes will remain and were not included in recalculated DTI. |  |  |  | Reviewer Comment (2025-06-19): Using [redacted] months average of [redacted] distribution income, DTI is lowered under [redacted]. Exception cleared.<br>Buyer Comment (2025-06-18): We also feel its worth calling out that we could go over the [redacted] from [redacted] used in the average calc and we'd still have enough [redacted] funds<br>Buyer Comment (2025-06-18): While the citation is valid, we found a solution to bring DTI back in line. The client's [redacted] [redacted] statement shows they've taken [redacted] YTD. By taking an average of the distributions we have on file over [redacted]and [redacted] YTD, it results in [redacted]/month in [redacted] income which gets us back to under [redacted] Continuance is maintained given the current balance of [redacted]. Please see updated 1003 and 1008 attached<br>Buyer Comment (2025-06-18): While the citation is valid, we found a solution to bring DTI back in line. The client's [redacted] [redacted] statement shows they've taken [redacted] YTD. By taking an average of the distributions we have on file over [redacted]and [redacted] YTD, it results in [redacted] month in [redacted] income which gets us back to under [redacted]. Continuance is maintained given the current balance of[redacted] Please see updated [redacted]and 1008 attached | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Cash-out - Other | C B A | XXX | XXX | No |
| XXX | 16 | XXX |  | 33787191 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [Redacted]% and based on [Redacted](e) of [Redacted]% moderately exceed the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI is excessive due to mortgage on retained REO investment property was paid off, however, the property insurance and taxes will remain and were not included in recalculated DTI. |  |  |  | Reviewer Comment (2025-06-19): Using [redacted] months average of [redacted] distribution income, DTI is lowered under [redacted] Exception cleared.<br>Buyer Comment (2025-06-18): Please clear this based upon our response to the other exception and updated 1003 and [redacted] | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Cash-out - Other | C B A | XXX | XXX | No |
| XXX | 16 | XXX |  | 33787190 |  |  | 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. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-06-19): Using [redacted] months average of [redacted] distribution income, DTI is lowered unde[redacted] Exception cleared.<br>Buyer Comment (2025-06-18): Please clear this based upon our response to the other exception and updated 1003 and 1008 | 06/19/2025 |  |  | 1 B A C |  | XXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | XXX | XXX | Yes |
| XXX | 16 | XXX |  | 33787188 |  |  | 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. |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | XXX | XXX | Yes |
| XXX | 18 | XXX |  | 33787198 |  |  | 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 (2025-06-17): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-06-17): Please see the final title policy attached with coverage matching the loan amount | 06/17/2025 |  |  | 1 B A |  | XXX | Primary | Purchase | C A B | XXX | XXX | No |
| XXX | 18 | XXX |  | 33787199 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-18): Received Final Title Policy. Exception cleared. | 06/18/2025 |  |  | 1 A |  | XXX | Primary | Purchase | C A B | XXX | XXX | No |
| XXX | 18 | XXX |  | 33787200 |  |  | 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. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-06-17): Received acknowledgement of Loan estimate dated [redacted]. Exception cleared.<br>Buyer Comment (2025-06-17): Please see the screen shot attached confirming receipt of the [redacted] | 06/17/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | No Defined Cure A B | XXX | XXX | No |
| XXX | 19 | XXX |  | 33787206 |  |  | 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. |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Second Home | Refinance - Cash-out - Other | Good Faith Redisclosure B A | XXX | XXX | Yes |
| XXX | 20 | XXX |  | 33787213 |  |  | 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. |  |  |  |  |  | Buyer Comment (2025-06-17): seller accepts; no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 21 | XXX |  | 33787220 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year[redacted] of on Final Closing Disclosure provided on[redacted] are underdisclosed. |  |  |  |  | Reviewer Comment (2025-06-19): [redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-06-19): Please see the attached corrected closing disclosure mailed to the borrower.<br>Reviewer Comment (2025-06-18): This will clear when the exception for the Estimated Escrow Payment is cured. Exception remains.<br>Buyer Comment (2025-06-18): Please be advised there are no non-escrowed year [redacted]costs as displayed on the final CD. |  | 06/19/2025 |  | 2 C B |  | XXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | XXX | XXX | Yes |
| XXX | 21 | XXX |  | 33787217 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Page 4 of the Final CD disclosed the lender may hold partial payments, and also disclosed the lender does not accept any partial payments. |  |  |  | Reviewer Comment (2025-06-19): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-06-19): Please see the attached corrected closing disclosure mailed to the borrower.<br>Reviewer Comment (2025-06-18): The Partial Payment Section on page [redacted] reflects lender may hold partial payments in a separate account and also reflects lender does not accept any partial payments. Only one box in this section should be checked. Exception remains.<br>Buyer Comment (2025-06-18): Please re-review as the final CD shows that only one box is checked indicating partial payments are NOT accepted. |  | 06/19/2025 |  | 2 C B |  | XXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | XXX | XXX | Yes |
| XXX | 21 | XXX |  | 33787216 |  |  | 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. |  |  |  |  |  | Buyer Comment (2025-06-18): Seller acknowledges exception, no change to grading. |  |  | 06/18/2025 | 2 B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 21 | XXX |  | 33787219 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | The projected payments on page 1 of the CD reflects monthly taxes and insurance of [redacted], however, the actual monthly taxes and insurance i[redacted] |  |  |  | Reviewer Comment (2025-06-19): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-06-19): Please see the attached corrected closing disclosure mailed to the borrower.<br>Reviewer Comment (2025-06-18): Please see the Estimated Escrow under the Payment Calculation section on page [redacted]. This reflects $[redacted]versus $[redacted]. Exception remains.<br>Buyer Comment (2025-06-18): Please re-review as the final CD reflects $[redacted] for taxes and insurance which matches [redacted] comments. |  | 06/19/2025 |  | 2 C B |  | XXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | XXX | XXX | Yes |
| XXX | 24 | XXX |  | 33787236 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - [redacted] | 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] |  |  |  |  | Buyer Comment (2025-06-18): Seller acknowledges the exception, no change to grading. |  |  | 06/18/2025 | 2 B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 24 | XXX |  | 33787238 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The third-party verification for the [redacted] was not timestamped. Please provide evidence of when this was obtained by the lender for review |  |  |  | Reviewer Comment (2025-06-19): Time Stamped [redacted] document was provided to confirm document date of verification. Exception cleared<br>Buyer Comment (2025-06-18): Please see attached timestamp of the verification for the business. | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 24 | XXX |  | 33787239 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file was missing the [redacted] to align with the business return provided. Please provide the [redacted] [redacted] , all schedules. |  |  |  | Reviewer Comment (2025-06-19): [redacted] 1040 provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-06-18): Please see attached [redacted] 1040. | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 26 | XXX |  | 33787240 |  |  | 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. |  |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 26 | XXX |  | 33787244 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Diligence was provided the final settlement statement for the departure residence, which was dated after consummation of the subject loan. Please provide the preliminary settlement statement that was obtained prior to closing and used to estimate available net equity funds. |  |  |  | Reviewer Comment (2025-06-19): Received Preliminary Settlement Statement dated [redacted]. Exception cleared.<br>Buyer Comment (2025-06-17): Please see the attached settlement statement from the non-subject property. Please note the subject transaction closed [redacted]. | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 26 | XXX |  | 33787245 |  |  | 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 when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-06-19): Received Preliminary Settlement Statement dated [redacted]. Exception cleared.<br>Buyer Comment (2025-06-17): Please see the attached settlement statement from the non-subject property. Please note the subject transaction closed [redacted]. | 06/19/2025 |  |  | 1 B A C |  | XXX | Primary | Purchase | Lender to provide updated ATR/QM status C B | XXX | XXX | Yes |
| XXX | 29 | XXX |  | 33787256 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is zoned agricultural which does not meet [redacted] guidelines. |  |  |  | Reviewer Comment (2025-06-19): Per appraisal, actual zoning is single family residential and meets the client's guidelines. Exception cleared.<br>Buyer Comment (2025-06-18): Please see the screen shots attached where page [redacted]notes the Zoning is Residential Single Fam and [redacted]notes it is not a working farm or income producing property. The last screen shot is from our collateral team and confirms they made an exception to proceed with the zoning as-is because it does not meet typical [redacted]zoning and is residential as supported by pictures in the [redacted]<br>Reviewer Comment (2025-06-12): To request to downgrade and waive this credit exception, please provide the credit comp factors considered to allow agricultural zoning. (E.g. [redacted], [redacted], residual income, etc.) | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 29 | XXX |  | 33787259 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Please confirm which hazard policy is accurate. Two policies were provided in the loan file. The one that matches the final CD has an effective date of [redacted], which is after loan disbursement. The policy with effective date of [redacted] has a higher premium. |  |  |  | Reviewer Comment (2025-06-18): Sufficient document received reflecting Hazard Insurance policy effective date. Exception cleared<br>Buyer Comment (2025-06-17): Please see screen shot attached from our internal [redacted]system confirming the active policy is [redacted]which went into effect [redacted], same date as disbursement | 06/18/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 30 | XXX |  | 33787260 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-17): Final Title policy received with coverage amount. Exception cleared. | 06/17/2025 |  |  | 1 A |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 30 | XXX |  | 33787261 |  |  | 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 (2025-06-17): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-06-17): Please see the attached final title policy noting the coverage amount. | 06/17/2025 |  |  | 1 B A |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 32 | XXX |  | 33787271 |  |  | 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 (2025-06-17): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-06-17): Please see the attached final title noting the coverage amount. | 06/17/2025 |  |  | 1 B A |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 33 | XXX |  | 33787275 |  |  | 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 three ([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. | Disclosures were sent to the borrower prior to obtaining consent for electronic disclosures. Lender to provide proof of e-consent within [redacted] days of the initial application, [redacted] proof of disclosure sent to borrower using another method within [redacted] days of application. |  |  |  | Reviewer Comment (2025-06-18): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted].<br>Buyer Comment (2025-06-17): Please see attached electronic consent form with consented date of [redacted]. | 06/18/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 34 | XXX |  | 33787278 |  |  | 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. |  |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges the exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 36 | XXX |  | 33787284 |  |  | 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. |  |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges the exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | C B A | XXX | XXX | No |
| XXX | 36 | XXX |  | 33787286 |  |  | 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 ([redacted]) business days prior to closing. | The file only contained the closing disclosures from [redacted] (closing) and [redacted] (post-closing). Please provide the initial and any subsequent CD's prior to the [redacted] CD's. |  |  |  | Reviewer Comment (2025-06-18): [redacted]received [redacted] CD [redacted]business days prior to consummation.<br>Buyer Comment (2025-06-17): Please see attached initial CD | 06/18/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Rate/Term | No Defined Cure B A | XXX | XXX | No |
| XXX | 37 | XXX |  | 33787290 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General [redacted]: 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]. |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 37 | XXX |  | 33787293 |  |  | 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. |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Purchase | Good Faith Redisclosure B A | XXX | XXX | Yes |
| XXX | 38 | XXX |  | 33787295 |  |  | 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. |  |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges the exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | B A | XXX | XXX | No |
| XXX | 39 | XXX |  | 33787307 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | [redacted]Documents are missing. | - ___ | The file was missing evidence of the HOA dues for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-06-18): [redacted]Verification present in the file. Exception Cleared.<br>Buyer Comment (2025-06-17): Please refer to page [redacted]/ [redacted] of the loan images for confirmation of [redacted]dues. | 06/18/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 39 | XXX |  | 33787304 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - [redacted] | 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]. |  |  |  |  | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |  |  | 06/17/2025 | 2 B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 41 | XXX |  | 33787313 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM ([redacted]) does not match Due Diligence Loan Designation of QM ([redacted]) Fail. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-06-19): Per client, income was not considered from this business. Excluded income, exception cleared.<br>Buyer Comment (2025-06-17): Please be advised that no income was used from this business to qualify and therefore third party verification of employment is not required. | 06/19/2025 |  |  | 1 B A C |  | XXX | Primary | Purchase | Lender to provide updated ATR/QM status C | XXX | XXX | Yes |
| XXX | 41 | XXX |  | 33787314 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General [redacted]Provision Employment - Partnership | General [redacted]: Unable to verify current Partnership status using reasonably reliable third-party records. | The third-party verification for the [redacted] (considered for both borrowers) was missing from the file. Please provide the third-party verification obtained by the lender for review. The income for the co-borrower's share will be updated upon receipt. |  |  |  | Reviewer Comment (2025-06-19): Per client, income was not considered from this business. Excluded income, exception cleared.<br>Buyer Comment (2025-06-17): Please be advised that no income was used from this business to qualify and therefore third party verification of employment is not required. | 06/19/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 42 | XXX |  | 33829275 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2024-12-24): Received a copy of E-sign Consent Agreement. Exception Cleared<br>Buyer Comment (2024-12-24): Disclosure tracking - also see uploaded form<br>Buyer Comment (2024-12-24): e-Sign Consent Form | 12/24/2024 |  |  | 1 C A |  | XXX | Primary | Purchase | D B A C | XXX | XXX | No |
| XXX | 42 | XXX |  | 33829278 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract document is missing. |  |  |  | Reviewer Comment (2024-12-24): Received a copy of Purchase Agreement / Sales Contract. Exception Cleared<br>Buyer Comment (2024-12-24): Purchase Agreement | 12/24/2024 |  |  | 1 D A |  | XXX | Primary | Purchase | D B A C | XXX | XXX | No |
| XXX | 42 | XXX |  | 33829279 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Transcripts (1040) or W2 for [redacted] bonus income used to qualify are missing,. |  |  |  | Reviewer Comment (2024-12-24): Received a copy of Transcripts (1040) [reacted] Exception Cleared<br>Buyer Comment (2024-12-24): [redacted] Tax Transcript | 12/24/2024 |  |  | 1 C A |  | XXX | Primary | Purchase | D B A C | XXX | XXX | No |
| XXX | 42 | XXX |  | 33829280 |  |  | 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. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2024-12-26): Appraisal delivery confirmation received dated [redacted]. Exception cleared.<br>Buyer Comment (2024-12-24): delivery | 12/26/2024 |  |  | 1 B A |  | XXX | Primary | Purchase | D B A C | XXX | XXX | No |
| XXX | 42 | XXX |  | 33829282 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis Fee was not disclosed on Initial LE and $[redacted] on Final CD. File does not contain a valid COC for this fee, evidence of cure in file is [redacted] |  |  |  | Reviewer Comment (2025-01-13): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-01-10): Please see attached confirmation of receipt as Proof of delivery, remainder of cure docs uploaded [redacted]<br>Reviewer Comment (2025-01-10): Re-opened.<br>Buyer Comment (2025-01-02): LOE, refund check and PCCD<br>Reviewer Comment (2024-12-26): [redacted]: The provided [redacted] indicates the agency required an inspection fee, however, there seems to be no documentation in the loan file of the agency request. Please provide documentation of timeline for review and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to borrower.<br>Buyer Comment (2024-12-24): COC |  | 01/13/2025 |  | 2 C B |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXX | XXX | No |
| XXX | 42 | XXX |  | 33829283 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard insurance coverage amount is insufficient. Coverage amount required to cover the lesser of the Replacement Cost or the Loan amount per guidelines. | Coverage: ___; Extended Replacement Coverage: ___;<br> Loan Amount: ___;<br> Cost New: ___ | Replacement cost estimator is a processor cert. Provide [redacted] |  |  |  | Reviewer Comment (2024-12-27): Received RCE. Exception cleared<br>Buyer Comment (2024-12-27): RCE<br>Reviewer Comment (2024-12-24): Received a copy of Hazard Insurance Binder/Evidence document [redacted]which we already have in file. Replacement cost estimator document in file i.e. [redacted] is a processor cert. Please provide proper Estimated Replacement Cost document. Exception Remains<br>Buyer Comment (2024-12-24): HOI | 12/27/2024 |  |  | 1 C A |  | XXX | Primary | Purchase | D B A C | XXX | XXX | No |
| XXX | 42 | XXX |  | 33829284 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Need documentation of property tax amount and hazard coverage (and HOA if applicable) on free and clear properties at [redacted] and [redacted]as disclosed on oan application . |  |  |  | Reviewer Comment (2025-01-07): Lender was more conservative. Cleared.<br>Buyer Comment (2025-01-07): Please clear lender was more conservative<br>Reviewer Comment (2025-01-06): Updated Commentary \*\*\*\* Provide Tax cert for Subject Property [redacted] \*\*\*provided tax cert shows Monthly tax of [redacted] where as Lender used [redacted] . Please note exception for REO property [redacted] Cleared. Exception Remains<br>Buyer Comment (2025-01-03): Calcualtions<br>Buyer Comment (2025-01-03): 1008<br>Buyer Comment (2025-01-03): AUS<br>Reviewer Comment (2024-12-30): Noted for REO [redacted] . Winter Taxes calculation (grossing to [redacted] %) for REO [redacted] require supporting documentation such as UW worksheet or lender documentation. rest all calculation noted. please update 1008 and AUS as well. exception remains.<br>Buyer Comment (2024-12-30): Per lender: [redacted] We grossed up the wither taxes by [redacted]% per our policy as we the new tax bill had not been released. Summer Tax [redacted] Winter Tax [redacted] [redacted] TOTAL - ROUNDED UP[redacted] This is a quarterly statement, and we removed the utility costs listed. Taxes [redacted]TOTAL - ROUNDED UP [redacted]<br>Reviewer Comment (2024-12-26): 1] REO [redacted] - verified (Tax [redacted] Hazard [redacted] but application stated [redacted] remaining [redacted]unverified. please provide supporting document with LOE.<br> 2] REO[redacted]- verified (Tax [redacted]. require supporting documentation for unverified payment as well as 1008 & AUS updated. exception remains.<br>Buyer Comment (2024-12-24): [redacted] | 01/07/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | D B A C | XXX | XXX | No |
| XXX | 43 | XXX |  | 33829291 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | LTV/CLTV reduction done by [redacted] for Declining zone property [redacted] as per Guideline's requirement. |  |  |  | Reviewer Comment (2025-04-28): Appraiser commentary is acceptable.<br>Buyer Comment (2025-04-28): The appraiser commentary is sufficient with the CDA, Clear Capital HDI indicates the market is stable.<br>Reviewer Comment (2025-04-25): Email sent to client for investor guidance.<br>Buyer Comment (2025-04-23): Appraiser comment | 04/28/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 43 | XXX |  | 33829292 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | LTV/CLTV reduction done by [redacted] for Declining zone property [redacted] as per Guideline's requirement. |  |  |  | Reviewer Comment (2025-04-28): Appraiser commentary is acceptable.<br>Buyer Comment (2025-04-28): The appraiser commentary is sufficient with the CDA, Clear Capital HDI indicates the market is stable.<br>Reviewer Comment (2025-04-25): Email sent to client for investor guidance.<br>Buyer Comment (2025-04-23): Appraiser comment | 04/28/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 43 | XXX |  | 33829287 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Survey Fee was disclosed as $[redacted] on Initial LE and $[redacted] on Final CD. Evidence of cure not provided in file. No Valid COC in file. Insufficient Cure provided in file of [redacted] |  |  |  | Reviewer Comment (2025-04-21): [redacted] Received Corrected PCCD and LOE.<br>Buyer Comment (2025-04-18): LOE and PCCD | 04/21/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXX | XXX | No |
| XXX | 43 | XXX |  | 33829286 |  |  | 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. | Missing evidence the borrower was provided with a copy of the Appraisal three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-18): Appraisal delivery Received. Exception Cleared<br>Buyer Comment (2025-04-17): Appraisal delivery | 04/18/2025 |  |  | 1 B A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 44 | XXX |  | 33829295 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Tangible Net Benefit Test | [redacted] Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. | Interest rate on prior mortgage was not provided; require supporting documents to validate prior mortgage interest rate. |  |  |  | Reviewer Comment (2025-04-22): Received previous Purchase CD verified Pervious interest rate and payment. Exception Cleared<br>Buyer Comment (2025-04-21): Prior CD<br>Buyer Comment (2025-04-21): Note - per Lender: We paid off a construction loan which had a higher interest rate and was an interest-only loan | 04/22/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Rate/Term | C B A | XXX | XXX | No |
| XXX | 44 | XXX |  | 33829296 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]0 plus [redacted] or [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-23): [redacted] Received Letter of Explanation, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-04-22): LOE, PCCD and refund check. |  | 04/23/2025 |  | 2 C B |  | XXX | 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 | XXX | XXX | No |
| XXX | 44 | XXX |  | 33829297 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Sufficient cure was provided for Credit Report and exception will be cleared/cured once other [redacted] cure exception is cured or cleared. |  |  |  | Reviewer Comment (2025-04-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-04-23): Incorrect Commnet pasted.<br>Reviewer Comment (2025-04-23): Retrieving data. Wait a few seconds and try to cut or copy again.<br>Buyer Comment (2025-04-22): Cured at closing | 04/23/2025 |  |  | 1 C A |  | XXX | 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 | XXX | XXX | No |
| XXX | 45 | XXX |  | 33829301 |  |  | Compliance | Compliance | State Compliance | State Defect | XXX 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. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  |  | Buyer Comment (2025-04-21): Lender acknowledged non material EV2<br>Reviewer Comment (2025-04-21): Downgraded<br>Reviewer Comment (2025-04-21): Downgraded the [redacted] home loan exceptions to EV2-B based on the exemption status of the originating lender.<br>Buyer Comment (2025-04-17): Per Lender - N/A to financial institution |  |  | 04/21/2025 | 2 C B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 45 | XXX |  | 33829302 |  |  | Compliance | Compliance | State Compliance | State Defect | XXX 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. | Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  | Buyer Comment (2025-04-21): Lender acknowledged non material EV2<br>Reviewer Comment (2025-04-21): Downgraded.<br>Reviewer Comment (2025-04-21): Downgraded the [redacted] home loan exceptions to EV2-B based on the exemption status of the originating lender.<br>Buyer Comment (2025-04-17): Per Lender - N/A to financial institution |  |  | 04/21/2025 | 2 C B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 46 | XXX |  | 33829306 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date [redacted] , Disbursement Date: [redacted] . |  |  |  | Reviewer Comment (2025-04-17): Received updated hazard insurance with effective date of [redacted]. Exception cleared<br>Buyer Comment (2025-04-16): updated effective dates | 04/17/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 46 | XXX |  | 33829310 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2025-04-10): Sufficient Cure Provided At Closing |  | 04/10/2025 |  | 1 A |  | XXX | Primary | Purchase | Final CD evidences Cure A | XXX | XXX | No |
| XXX | 46 | XXX |  | 33829311 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower's verification of employment reflects an original hire date of [redacted] and a most resent start date of [redacted] . Co-Borrowers verification of employment reflects an original hire date of [redacted] and a most resent start date of [redacted] . Need LOE regarding start dates to verify [redacted] years employment history. |  |  |  | Reviewer Comment (2025-04-17): Received Explanation letter with supporting document as [redacted] System Purchase [redacted] Cleared<br>Buyer Comment (2025-04-16): LOX | 04/17/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 47 | XXX |  | 33829312 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | VOM required for payment made for [redacted] , to verify paid within month due. |  |  |  | Reviewer Comment (2025-03-20): Received Pay History. exception cleared.<br>Buyer Comment (2025-03-20): Pay History | 03/20/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Cash-out - Other | C B A | XXX | XXX | No |
| XXX | 47 | XXX |  | 33829315 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted] compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold. | Disclosure reflects TOP of [redacted] but calculated TOP of [redacted] . Variance = [redacted] . |  |  |  | Reviewer Comment (2025-04-16): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-04-15): LOE, PCCD, refund check, NRTC and label<br>Reviewer Comment (2025-04-02): Per TRID Grid [redacted], Remediation Considerations,[redacted]…Note, inaccurate APR, Finance Charge, or TOP resulting from fee-related under disclosures will require a refund check to cure and cannot be cured with a loan modification (principal curtailments are not permissible). In the case of under disclosures resulting from both fees and incorrect [redacted] or margin used to calculate TOP, remediation can be in the form of one lump sum refund cash/check or lender/assignee can cure using a combination of remediation methods (ex. check and margin reduction; check and principal curtailment; check and lender paid MI).<br>Buyer Comment (2025-03-31): Cure documentation - please see included pay history and ensure this is allowable |  | 04/16/2025 |  | 2 C B |  | XXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | XXX | XXX | No |
| XXX | 48 | XXX |  | 33829317 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification for property [redacted] is missing in file. |  |  |  | Reviewer Comment (2025-04-03): Updated 1003/1008 received without HOA Fee. Exception Cleared<br>Buyer Comment (2025-04-03): 1003<br>Buyer Comment (2025-04-03): 1008<br>Reviewer Comment (2025-03-28): Received [redacted]Property Profile confirms no HOA on the property however As per Final [redacted]Total Tax, insurance and HOA amount noted[redacted]and Mortgage statement confirms payment is escrowed. Require Verification of additional payment of [redacted] as per Final [redacted]. Exception remains<br>Buyer Comment (2025-03-28): HOA | 04/03/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | D A C | XXX | XXX | No |
| XXX | 48 | XXX |  | 33829319 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | HOA Amount for subject property [redacted] is considered as [redacted] however supporting document to verify the considered amount is missing in file. |  |  |  | Reviewer Comment (2025-04-07): Received updated 1003/1008/AUS and PCCD with change in HOA amount as per appraisal document exception Cleared<br>Buyer Comment (2025-04-04): AUS<br>Buyer Comment (2025-04-04): 1008<br>Buyer Comment (2025-04-04): PCCD<br>Reviewer Comment (2025-04-03): 1003, 1008 received with Correction in 1008, AUS not require as variance is less than [redacted]%, however CD must reflect the corrected property expenses. PCCD require with Correction HOA amount. Since PCCD still require Lender can submit the corrected AUS as well to match the term with 1008/1003. Exception Remains<br>Buyer Comment (2025-04-03): 1008 & 1003 uploaded previously. See also LOX<br>Reviewer Comment (2025-04-01): If the HOA amount is $[redacted]($[redacted]x [redacted] = $[redacted]/ [redacted]) however same amount is not used on CD. required updated AUS/1008 and PCCD. Exception remains.<br>Buyer Comment (2025-04-01): LOX HOA | 04/07/2025 |  |  | 1 C A D |  | XXX | Primary | Purchase | D A C | XXX | XXX | No |
| XXX | 48 | XXX |  | 33829321 |  |  | 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. | Final LE issued on [redacted] is incomplete as it contains only [redacted] page, require complete loan estimate copy issued on [redacted] along with COC reflecting Rate has been locked. |  |  |  | Reviewer Comment (2025-04-03): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-04-01): COC | 04/03/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXX | XXX | No |
| XXX | 50 | XXX |  | 33829332 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit report ID mismatched with AUS document, required updated AUS document with correct credit ID. |  |  |  | Reviewer Comment (2025-04-14): Received updated AUS with correction In Credit report refinanced ID. Exception Cleared<br>Buyer Comment (2025-04-11): DU | 04/14/2025 |  |  | 1 A |  | XXX | Primary | Purchase | A | XXX | XXX | No |
| XXX | 51 | XXX |  | 33829334 |  |  | 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] business days prior to consummation. | Acknowledgement of receipt of appraisal is missing in file. |  |  |  | Reviewer Comment (2025-04-15): Appraisal Delivery Provided . Exception Cleared<br>Buyer Comment (2025-04-14): [redacted] Appraisal delivery | 04/15/2025 |  |  | 1 B A |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 51 | XXX |  | 33829335 |  |  | 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] business days prior to consummation. | Acknowledgement of receipt/delivery document of preliminary appraisal is missing in file. |  |  |  | Reviewer Comment (2025-04-15): Appraisal Delivery Provided . Exception Cleared<br>Buyer Comment (2025-04-14): LOE, also see uploaded delivery | 04/15/2025 |  |  | 1 B A |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 52 | XXX |  | 33829338 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-04-30): Received Fraud Report. Exception Cleared<br>Buyer Comment (2025-04-28): fraud report | 04/30/2025 |  |  | 1 C A |  | XXX | Primary | Refinance - Cash-out - Other | C A | XXX | XXX | No |
| XXX | 53 | XXX |  | 33829345 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-03-19): Accepted as is. |  |  | 03/19/2025 | 2 B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 53 | XXX |  | 33829346 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided |  | Legal description is missing. |  |  |  | Reviewer Comment (2025-03-19): Received Legal Description. Exception cleared.<br>Seller Comment (2025-03-19): Comment from [redacted] ([redacted]): Page [redacted] has the legal description | 03/19/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 54 | XXX |  | 33829349 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of [redacted]is greater than Guideline maximum loan amount of[redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-28): Client elects to waive based on the max loan amount meeting the newest guidelines. |  |  | 03/28/2025 | 2 C B |  | XXX | Primary | Purchase | C B A | XXX | XXX | No |
| XXX | 55 | XXX |  | 33829352 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank[redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-03-31): Accepted as is. |  |  | 03/31/2025 | 2 B |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 56 | XXX |  | 33829353 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification is missing. |  |  |  | Reviewer Comment (2025-04-09): Cleared Hazard provided<br>Seller Comment (2025-04-09): Comment from [redacted] ([redacted]: HOI [redacted] | 04/09/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 56 | XXX |  | 33829354 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease Agreement is missing. |  |  |  | Reviewer Comment (2025-04-10): Property ran through [Redacted]business, [Redacted]on file | 04/10/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 56 | XXX |  | 33829357 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]: Originator Loan Designation of [redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Lease agreement is missing for REO |  |  |  | Reviewer Comment (2025-04-10): Property ran through [Redacted]business, [Redacted]on file | 04/10/2025 |  |  | 1 B A C |  | XXX | Primary | Purchase | Lender to provide updated ATR/QM status C | XXX | XXX | No |
| XXX | 56 | XXX |  | 33829358 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO[redacted] Method | General QM: Unable to verify Real Estate Owned income ([redacted] Method) using reasonably reliable [redacted]party records. | Lease agreement is missing for REO |  |  |  | Reviewer Comment (2025-04-10): Property ran through [Redacted]business, [Redacted]on file | 04/10/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |
| XXX | 57 | XXX |  | 33829359 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. |  |  |  | Reviewer Comment (2025-04-09): Accepted as is.<br>Seller Comment (2025-04-09): Comment from [redacted] ([redacted] Lending): previous appraisal |  |  | 04/09/2025 | 2 B |  | XXX | Primary | Purchase | B A | XXX | XXX | No |
| XXX | 58 | XXX |  | 33829363 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure has been provided at the time of closing. |  |  |  | Reviewer Comment (2025-04-08): Sufficient Cure Provided At Closing |  | 04/08/2025 |  | 1 A |  | XXX | Primary | Purchase | Final CD evidences Cure A | XXX | XXX | No |
| XXX | 59 | XXX |  | 33829364 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant t[redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-04-11): Client elects to waive |  |  | 04/11/2025 | 2 B |  | XXX | Primary | Refinance - Rate/Term | B A | XXX | XXX | No |
| XXX | 59 | XXX |  | 33829366 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing |  | 04/11/2025 |  | 1 A |  | XXX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | XXX | XXX | No |
| XXX | 59 | XXX |  | 33829367 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]o 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 (2025-04-11): Sufficient Cure Provided At Closing |  | 04/11/2025 |  | 1 A |  | XXX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | XXX | XXX | No |
| XXX | 61 | XXX |  | 33829372 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-04-21): Received, cleared<br>Reviewer Comment (2025-04-21): Tax Cert not received for this property [Redacted] hence Exception Remains.<br>Seller Comment (2025-04-21): Comment from [redacted]: Tax Bill and Pay History showing this has been paid. This condo has the property taxes included in the HOA. | 04/21/2025 |  |  | 1 C A |  | XXX | Primary | Purchase | C A | XXX | XXX | No |

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![](tm2519742d1_ex99-9img001.jpg)

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC 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** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXX | 1 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXX | 2 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 3 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXX | 4 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXX | 5 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXX | 6 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 7 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 8 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXX | 9 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXX | 10 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXX | 11 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 12 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| XXX | 13 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 14 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 15 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXX | 16 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXX | 17 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXX | 18 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | 19 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXX | 20 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 21 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 22 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| XXX | 23 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 24 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 |
| XXX | 25 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXX | 26 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXX | 27 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 28 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| XXX | 29 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 30 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXX | 31 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 32 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | 33 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 34 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXX | 35 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXX | 36 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 37 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| XXX | 38 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXX | 39 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 40 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXX | 41 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 42 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXX | 43 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |  |
| XXX | 44 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | 45 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | 46 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 47 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXX | 48 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 49 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXX | 50 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| XXX | 51 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXX | 52 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXX | 53 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| XXX | 54 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.385% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXX | 55 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.20 |
| XXX | 56 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.70 |
| XXX | 57 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| XXX | 58 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| XXX | 59 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| XXX | 60 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| XXX | 61 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | 62 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |

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| **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** | **Run Date - 7/2/2025 11:15:40 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **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** | **Monthly Property Tax** | **Monthly 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** | **Document Type** | **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?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| XXX | 1 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 2 | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 2 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 3 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.7 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 4 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.9 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 3 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 5 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4 | DU |  | ApproveIneligible | N/A | No | XXX | 1 |  | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 6 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 7 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 0 | 1 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 8 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 0 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 9 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.6 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 10 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.3 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 11 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 2 | 2 | 0 | 4 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 12 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.7 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  | 3 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 13 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.6 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 2 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 14 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.7 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 15 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.2 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 0 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 16 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099-R - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.2 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 17 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.8 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 3 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 18 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.6 | DU |  | ApproveEligible | N/A | No | XXX | 1 | 2 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  | 16 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 19 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Account Transcripts - 2020<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Account Transcripts - 2020 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.3 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 2 | 1 | 0 | 4 | 5 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 20 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2019<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2019 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 2 | 0 | 4 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 21 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 1 | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 22 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.1 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 23 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 2 | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 24 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.9 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 1 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 25 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.9 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 26 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.7 | DU |  | ApproveEligible | N/A | No | XXX | 2 | 2 | 2 | 0 | 4 | 4 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 27 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.5 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 2 | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 28 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.7 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 29 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 30 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.2 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 3 | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 31 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.3 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 1 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 32 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.1 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 33 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Retail |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 34 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.2 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 0 | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 35 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 36 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 2 | 0 | 4 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | Retail | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 37 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 3.9 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 3 | 2 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 38 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.5 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 2 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 39 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1.7 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 2 | 0 | 3 | 1 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 40 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 4.6 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No | 28 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 41 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 1 | 1 | 0 | 3 | 3 |  |  | XXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 42 | XXX |  | XXX |  | Yes |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 5 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 2 | 0 | 0 | 1 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 43 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX |  | LP / LPA |  | Accept/Ineligible | No | No | XXX | 3 | 0 | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 44 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 1.6 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 45 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 1.3 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 3 | 0 | 4 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 46 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 47 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 2.3 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 48 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 1 | DU |  | ApproveIneligible | N/A | No | XXX | 0 | 3 | 1 | 0 | 4 | 1 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 49 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 3.6 | DU |  | ApproveIneligible | N/A | No | XXX | 3 | 3 | 0 | 0 | 4 | 2 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 50 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 1.9 | DU |  | ApproveIneligible | N/A | No | XXX | 3 | 2 | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 9 | 19 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 51 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 3.4 | DU |  | ApproveIneligible | N/A | No | XXX | 0 |  | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 2 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 52 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 3.3 | DU |  | ApproveEligible | N/A | No | XXX | 1 |  | 0 | 0 | 2 | 1 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 53 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 2.8 | DU |  | ApproveIneligible | No | No | XXX | 0 | 0 | 1 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | No |  |  |  | XXX | XXX | XXX | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 54 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Tax Return Extension - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Tax Return Extension - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 3.3 | DU |  | ApproveIneligible | N/A | No | XXX | 2 | 0 | 2 | 0 | 0 | 2 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 55 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 4.2 | DU |  | ApproveIneligible | Yes | No | XXX | 2 |  | 1 | 0 | 2 | 1 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 56 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 4.7 | DU |  | ApproveIneligible | No | No | XXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 57 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX | XXX |  | XXX | XXX | 3.2 | DU |  | ApproveIneligible | No | No | XXX | 0 |  | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 58 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 3.2 | LP / LPA |  | Accept/Ineligible | No | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 26 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 59 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 5 | DU |  | ApproveIneligible | No | No | XXX | 1 |  | 2 | 0 | 4 | 2 |  |  | XXX | No |  |  |  |  |  | No |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 60 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 2.2 | DU |  | ApproveIneligible | No | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No | 7 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 61 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 1.7 | DU |  | ApproveIneligible | N/A | No | XXX | 2 |  | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXX | 62 | XXX |  | XXX |  |  |  | Yes | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  | XXX | XXX |  | XXX | XXX | 1 | LP / LPA |  | Accept/Ineligible | Yes | No | XXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  |  | Not Stated |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Yes | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

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| **ASF** | **ASF** | **ASF** | **ASF** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/2/2025 11:15:41 PM** | **Run Date - 7/2/2025 11:15:41 PM** | **Run Date - 7/2/2025 11:15:41 PM** | **Run Date - 7/2/2025 11:15:41 PM** | **Run Date - 7/2/2025 11:15:41 PM** | **Run Date - 7/2/2025 11:15:41 PM** | **Run Date - 7/2/2025 11:15:41 PM** | **Run Date - 7/2/2025 11:15:41 PM** | **Run Date - 7/2/2025 11:15:41 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 285 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 70 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 3 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 208 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 408 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 215 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 4 | 2 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 5 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 257 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 29 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 12 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 447 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 4 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 30 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 3 | 4 | 1 | 3 | 4 | 1 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 95 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 |  | 1 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 251 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 4 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 5 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 255 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 2 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX |  |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 62 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 135 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 6 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 152 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 263 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 109 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 4 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 140 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 3 | 4 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 108 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 3 | 5 | 3 | 3 | 3 | 3 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 1 | 1 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 115 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 |  | 3 |  | 4 |  | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 0 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 1 | 3 | 1 | 2 | 2 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 3 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 |  |  |  |  | 170 | XXX | XXX | XXX | XXXXXXXXXXXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 4 | 4 | 3 | 3 | 2 | 2 | XXX | XXX | XXX |  | 1 | XXX |  | XXX |  | 1 | 1 |  | 0.00 | 3 |  | 0 |  | XXX | 9 |  | 0 |  | XXX | XXX | XXX |  | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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![](tm2519742d1_ex99-9img001.jpg)

**ASF Addendum - Business Purpose**

**Run Date - 7/2/2025 11:15:41 PM**

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXX | 36 | XXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | XXX | US Citizen |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | Individual | Individual | XXX |  |  | XXX | US Citizen |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

**Exhibit 99.10**

**EXHIBIT 99.10 CONSOLIDATED ANALYTICS, INC ("CONSOLIDATED ANALYTICS") EXECUTIVE SUMMARY**

![](tm2519742d1_ex99-10img001.jpg)

**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 newly originated residential mortgage loans acquired by Redwood Residential Acquisition Corporation. The review included a total of 134 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2025-7 (the "Securitization"). The Review was conducted from December 2024 through June 2025 on mortgage loans originated between August 2023 and June 2025.

**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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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;&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;&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;&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;&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;&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;&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**

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

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 (134 loans in total):

Five (5) loans had a Secondary Appraisal, zero (0) loans had an AVM, and one hundred twenty-five (125) loans had a Desktop Review.

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. There were zero (0) occurrences of this.

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred thirty-four (134) mortgage loans reviewed, forty-seven (47) unique mortgage loans (35.07% by loan count) had a total of one hundred thirty-one (131) discrepancies across thirty-six (36) 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 <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;23 | &nbsp;&nbsp;17.56% |
| &nbsp;&nbsp;Cash to Close | &nbsp;&nbsp;15 | &nbsp;&nbsp;11.45% |
| &nbsp;&nbsp;All Other Payments | &nbsp;&nbsp;14 | &nbsp;&nbsp;10.69% |
| &nbsp;&nbsp;Originator DTI | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.40% |
| &nbsp;&nbsp;Total Qualified Assets for Reserves Post-Close | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.58% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.58% |
| &nbsp;&nbsp;Cash Out Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.82% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.82% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;Total Closing Costs | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;Interested Party Contributions | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Refinance Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Borrower 3 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Monthly HOA $| &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 3 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 3 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 3 Origination FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 3 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**131** | &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<br> Sample |
| Event Grade A | 121 | $148906714.00 | 90.30% |
| Event Grade B | 13 | $16320184.00 | 9.70% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 134 | $165226898.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 132 | 98.51% |
| Event Grade B | 2 | 1.49% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 134 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 122 | 91.04% |
| Event Grade B | 12 | 8.96% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 134 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 134 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 134 | 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 <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Data Tape Not Provided | &nbsp;&nbsp;97 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Citizenship Documentation not provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Address on Note does not match Insured Property Address | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than AUS Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing US Patriot Act Disclosure or ID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Personal Tax Returns Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 7 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard insurance dwelling coverage is not sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Citizenship Documentation not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Divorce Decree | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 3 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 6 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 3 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***172*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract does not Match Final CD | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***32*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***6*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| **Final Loan Grade** | **Final Loan Grade** |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | 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. |
| C | 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. |
| D | Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| A | 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. |
| B | 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. |
| C | 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. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | 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. |
| B | 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. |
| C | 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. |
| D | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | 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. |
| B | 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. |
| C | 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. |
| D | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.11

**Exhibit 99.11**

**EXHIBIT 99.11 CONSOLIDATED ANALYTICS DUE DILIGENCE STANDARD REPORT**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller 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** |
| 500000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/20/2024 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.<br>|  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.<br>| 01/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 500000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/20/2024 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Final 1003 shows loss of $XXX/mo "other" for B2 but nothing in the file explains where this is coming from. There are no notes and no lender worksheet for this loss. Lender to provide satisfactory explanation and any further docs needed to confirm this loss. Additional conditions may apply. | XX/XX/XXXX XXX - This is the Self-employed loss already mentioned. See attached statement from borrower's tax returns. This is the "XXX". $XXX over XXX months is XXX.; XX/XX/XXXX XXX - This is just the other Self-Employed losses the borrower claimed on their Schedule E. | 12/27/2024 | Audit reviewed Lender's response and has determined the Lender was most conservative and included income losses for business XXX and XXX from schedule E statement XXX on page XXX of the loan file. Condition cleared.; Income and Employment Meet Guidelines; For XXX, on the XXX Under section Xe Income from other sources on the final XXX: Other-Other Income: (XXX) and Other-Other Income (XXX). Please provide satisfactory explanation and any further docs needed to confirm this loss. Condition maintained. ; Income and Employment Do Not Meet Guidelines Final XXX shows loss of $XXX/mo "other" for XXX but nothing in the file explains where this is coming from. There are no notes and no lender worksheet for this loss. Lender to provide satisfactory explanation and any further docs needed to confirm this loss. Additional conditions may apply. | 12/30/2024 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 500000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/20/2024 | Resolved | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date ASC registry shows beginning date of XX/XX/XXXX when appraisal was completed on XX/XX/XXXX Lender to provide prior appraisal license dates. | XX/XX/XXXX XXX - Please clarify what documentation would be acceptable evidence of this. We have provided evidence appraiser has been licensed for over XXX years and they included a copy of their active license in their appraisal report. We don't see how appraiser would have been able to include their license in the appraisal report with an expiration date of XX/XX/XXXX if they didn't currently have the license. ; XX/XX/XXXX XXX - See attached from XXX, borrower's license was initially issues in XXX and appraiser indicates is expires XX/XX/XXXX. They do not issue licenses that are only good for XXX days. | 12/27/2024 | Audit reviewed Lender's response and has determined the documentation provided by Lender from the XXX Division of Real Estate verifies appraiser has been licensed from XX/XX/XXXX with license expiration date of XX/XX/XXXX, verifying appraiser was licensed at the time of the subject loan closing. Condition cleared.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided; Audit reviewed the lender's response. Please provide documentation that the appraiser's license was active when the appraisal was completed on XX/XX/XXXX. Condition maintained. ; Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date XXX registry shows beginning date of XX/XX/XXXX when appraisal was completed on XX/XX/XXXX. Lender to provide prior appraisal license dates. | 12/30/2024 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 500000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/20/2024 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing proof of HOA for the property at XXX. Final 1003 shows $XXX/mo. Additional conditions may apply. | XX/XX/XXXX XXX - There is no HOA, the $XXX is the insurance on the property. See attached property detail report listing property is an XXX and not part of a XXX. | 12/24/2024 | Upon further review, the $XXX is the insurance on the property per documentation in the file. Lender provided a property profile, and the site information states XXX and not part of a XXX. Condition cleared. | 12/26/2024 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 500000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).<br>|  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).<br>| 03/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 03/27/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 500000011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/19/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | Please see attached Evidence of appraisal delivery | 03/25/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | 03/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 500000014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/27/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | Affiliated LOE | 03/28/2025 | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/27/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for the borrower esign disclosures dated XX/XX/XXXX | Econsent | 03/28/2025 | Lender provided eConsent. Condition cleared.; Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing for the borrower esign disclosures dated XX/XX/XXXX. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/27/2025 | Resolved | finding-3716 | Compliance | XXX Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX 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. PCCD and final HUD 1 in file have the disbursement date of XX/XX/XXXX however the prepaid interest start date of XX/XX/XXXX. Please provide a PCCD and or final HUD 1 with correct disbursement date and prepaid interest collected. |  |  | Lender provided email correspondence indicating loan funded on XX/XX/XXXX but disbursed on XX/XX/XXXX. The PCCD and settlement statement both reflect interest charged from XX/XX/XXXX with disbursement on XX/XX/XXXX, supporting Lender's email. In addition, the Borrower signed the XXX Per Diem Interest Charge Disclosure agreeing to the Monday disbursement and the additional per diem interest charged. Audit re-ran compliance and has determined pre-paid interest is within tolerance. Condition cleared.; Lender provided email correspondence indicating loan funded on XX/XX/XXXX but disbursed on XX/XX/XXXX. The PCCD and settlement statement both reflect interest charged from XX/XX/XXXX with disbursement on XX/XX/XXXX, supporting Lender's email. In addition, the Borrower signed the XXX Per Diem Interest Charge Disclosure agreeing to the Monday disbursement and the additional per diem interest charged. Audit re-ran compliance and has determined pre-paid interest is within tolerance. Condition cleared. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 03/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/02/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA for the property at XXX. Final 1003 states $XXX/mo In addition must confirm new 1st lien has taxes and insurance included in the $XXX/mo payment. Additional conditions may apply. |  |  | Lender provided mortgage statement for property XXX nd verifying the mortgage includes escrows for both taxes and insurance. In addition, provided verification of HOA fees. Condition cleared. | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/02/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Lender to provide satisfactory explanation for check for gift states on the check XXX day loan. Gifts are not permitted to be a loan. If is a loan then borrower has to state and document any payment arrangement. Additional conditions may apply. |  |  | Audit reviewed Lender's response and has determined the $XXX was deducted from total available asset qualification per XXX and AUS; therefore, no other documentation is required. Condition cleared; Asset Qualification Meets Guideline Requirements | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/02/2025 | Resolved | FCRE7009 | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required Lender to provide sufficient coverage for the loan amt of $XXXXXX or replacement cost coverage. Additional conditions may apply. |  |  | Lender provided property insurance that reflects verification replacement cost coverage is included. Condition cleared.; Hazard Insurance coverage meets guideline requirement | 04/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required Missing ABD | AFFILIATED BIZ DISCLOSURE | 04/09/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Required Affiliated Business Disclosure Missing Documentation Required Missing ABD | 04/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 500000018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 500000015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/07/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | Appraisal Delivery Tracking | 04/09/2025 | Evidence of appraisal delivery provided. | 04/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/10/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | There are multiple discrepancies regarding property listed as borrowers current address(A renter)and other property owned by borrower listed with a different address on 1003 then on the <br> Lease for that property. 1003 shows current address of borrower as XXX(previous address to this also a rental) yet bank statement shows XXX.. 1003 shows rental property at XXX but lease shows XXX. as of XX/XXXX. LOE in file states borrower was using the rental as a 2nd home on occasion but is now renting out at a lower rate due to fires in XXX. 1003 shows not hitting borrower for PITIA. Using XXX on application which leads back to address discrepancies. Please provide satisfactory explanation for each issue and documentation to prove it. If it is decided that a PITIA is going to be added for the other property, XXX approval. If not and using lease to offset any property, tax return will be required per DU to confirm qualifying exception to use lease. If by chance XXX address is an error, provide proof not owned by borrower. Also proof of XXX vs XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please note that XXX and XXX are the same property. Please see the attached documentation to show that third party county records consider them to be the same property, and websites such as XXX, redfin, etc can confirm that the APN number is the same for both addresses. This property shows up on the borrower's bank statements, as it used to be the borrower's primary residence prior to renting, which is also why it appears on the borrower's driver's license. The PITIA shows as XXX for this property because it was offset by the rental income, per FNMA guidelines. FNMA XXX states that if the lender determines that some other situation warrants an exception to use a lease agreement, the lender must provide an explanation and justification in the loan file. Since the property was previously a second home that's being converted into an investment property, this was documented by the letters of explanation in file from the borrower. Since the borrower has less than a one-year history of managing a rental property, the rental income can only be used to offset the PITIA of the related property, so the full amount of rental income from the lease agreement is not being used to qualify the borrower. | 04/14/2025 | Condition resolved as the correct rental offset is allowed when owned less than a year. Received evidence XXX/XXX. is the same property and LOX as to why the address is on the bank statements and license. | 04/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/10/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($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)(1)(i) by more than XXX 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)(1)(vi). TILA XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the e-recording fee, $XXX to $XXX for the CPL fee, and $XXX to $XXX for the title policy. The Written List of Service Provider List is dated XX/XX/XXXX and was not within XXX days of the application date which is causing the exception. Please provide the SSPL within XXX days of the application date or cure package. | SSPL it has the date showing XX/XX/XXXX. | 04/16/2025 | Lender provided WLSP dated XX/XX/XXXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided WLSP dated XX/XX/XXXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 04/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/10/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report | 04/14/2025 | Third Party Fraud Report is provided | 04/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | CDA | 04/15/2025 | CDA dated XX/XX/XXXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Econsent | 04/15/2025 | Lender provided Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing. | 04/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/11/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | Appraisal Delivery Tracking | 04/15/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). Please provide evidence borrower received Appraisal within required XXX business days prior to consummation. | 04/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/11/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | Affiliated Business Discl and Tracking<br>| 04/15/2025 | Lender provided Affiliated Business disclosure. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | 04/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/11/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure. | HOC List | 04/15/2025 | Lender provided Homeownership Counseling Disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable; Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure. | 04/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 04/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The borrower's business, "XXX" is in dissolved status and income cannot be used. Please provide documentation showing active status for the business. | XX/XX/XXXX - XXX: Please see attached. The business start date reflects XX/XX/XXXX due to the borrower incorporating their business in XXX after moving from XXX. The XXX business returns have been attached to support the prior business address and the unchanged EIN number XXX. | 04/16/2025 | Lender provided current business license and XXX tax returns. The business license verifies business is active and XXX tax returns support the Borrower moved business from XXX to XXX and incorporated the business in XXX in XXXX. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines The borrower's business, "XXX" is in dissolved status and income cannot be used. Please provide documentation showing active status for the business. | 04/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 04/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing proof of $XXX from gift. Gift letter is in file. States will be a check. confirmed not deposited into asset accounts and a copy of the check and the clearing of the check are not in file. | XX/XX/XXXX XXX: See attached gift wire to title | 04/16/2025 | Lender provided wire transfer of $XXX gift funds. Condition cleared.; Asset Qualification Meets Guideline Requirements | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE1350 | Credit | Borrower 2 Personal Tax Returns Missing | Borrower 2 Personal Tax Returns Missing The co-borrower was qualified with a monthly income of $XXX using a XXX-month average of XXXX and XXXX personal tax returns. However, the file only contains the signature pages for both years. Please provide the complete XXXX and XXXX personal tax return | XXX, XXX & XXX tax returns | 04/21/2025 | Lender provided XXXX, XXX and XXX tax returns that included schedule C for Borrower XXX and supports income calculated by Lender. Condition cleared.; Borrower XXX Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals XXX); Borrower XXX Personal Tax Returns Missing The co-borrower was qualified with a monthly income of $XXX using a XXX-month average of XXX and XXX personal tax returns. However, the file only contains the signature pages for both years. Please provide the complete XXX and XXX personal tax return | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. A |
| 500000066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing proof of hazard insurance on former retained primary residence at XXX # XXX. Document should show property address and confirm if walls in coverage otherwise need master policy and separate coverage. Additional conditions may apply. | XX/XX/XXXX XXX: This unit is covered under the same policy that covers the subject property, borrower does not carry an separate insurance policy for this. | 04/17/2025 | Audit reviewed Lender's response and has determined the departing residence is in the same building as the subject property and is included in the master insurance policy in file that reflects insurance includes Walls in coverage. Condition cleared.; Borrower XXX Credit Report is not partially present.; Borrower XXX Credit Report is Partially Present. Missing proof of hazard insurance on former retained primary residence at XXX XXX. Document should show property address and confirm if walls in coverage otherwise need master policy and separate coverage. Additional conditions may apply. | 05/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing proof of "other" income listed on DU approval for $XXX/mo. Provide explanation and documentation to confirm income. Additional conditions may apply. | XX/XX/XXXX XXX: The other income used is asset depletion. See XXX for the guidance that was followed. | 04/17/2025 | Audit reviewed Lender's response and has determined Borrower's asset ending in XXXX, is sufficient for asset depletion income. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Missing proof of "other" income listed on DU approval for $XXX/mo. Provide explanation and documentation to confirm income. Additional conditions may apply. | 05/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/16/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | Appraisal Delivery; Appraisal Delivery Tracking | 04/18/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal was completed subject to completion and we are missing final inspection on file | ; Document Uploaded. ; Document Uploaded. Documentation received, XXX to review.; Please see updated condition. Seller to provide 1004D. Thank you! ; Document Uploaded. Documentation received, XXX to review.; | 04/24/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Seller provided CDA. Please provided a XXXX D; Primary Value Subject Property Appraisal is not on an As-Is Basis | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing amendment to the contract verifying the final purchase price is $XXX | ; Document Uploaded. Documentation received, XXX to review.; | 04/23/2025 | Purchase Contract Doc is complete. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 500000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | ; Document Uploaded. Documentation received, XXX to review.; Seller to provide CDA | 04/23/2025 | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing | ; ; | 04/24/2025 | Citizenship Documentation is provided. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | FCOM3813 | Compliance | Purchase Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z)<br> 12 CFR XXX(a)(3)(vii) |  | 04/24/2025 | The sales price on the Purchase Contract and Final CD match. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided AUS on file is not most recent. it does not match with final 1003 and has incorrect interest rate | ; Document Uploaded. Documentation received, XXX to review.; Seller to provide AUS with correct interest rate XXX%. ; | 04/23/2025 | AUS is not incomplete | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | ; Document Uploaded. Documentation received, XXX to review.; | 04/23/2025 | Photo Identification provided. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6914 | Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation Is Missing The file contains no identification verification for the co-borrower to verify legal status for residence and employment in the XXX. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Received valid borrower ID ; Citizenship Documentation is provided. | 04/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 500000114 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE6019 | Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation Is Missing The file contains no identification verification for the borrower to verify legal status for residence and employment in the XXX. | ; ; Document Uploaded. Documentation received, XXX to review.; | 04/22/2025 | Received valid borrower ID ; Citizenship Documentation is provided. | 04/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 500000034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued at least XXX days prior to consummation is missing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §XXX(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(1)(i) no later than XXX business days before consummation. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX | 04/21/2025 | Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 04/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 500000074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 500000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/16/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Potential undisclosed REO. Fraud reports shows borrower owns XXX. however, was not included on the 1003 for PITIA or in the DTI. Please provide a property profile or documentation that this property has been sold. Additional conditions may apply. | XX/XX/XXXX XXX: This is just borrower's previous residence prior to purchasing the subject. See attached, borrower is not the owner. | 04/18/2025 | Lender provided Data Tree search for property XXX verifying property is not owned by Borrower. Condition cleared.; Borrower XXX Credit Report is not partially present. | 04/22/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/16/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(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)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee on the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for additional charge. Please provide a valid COC or cure package. | PCCD and LOX and Check and Label | 04/28/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 04/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXXXXX | please see attached doc XXX | 04/28/2025 | Issue resolved as we have received the title with sufficient coverage. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXXXXX | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §XXX(o)(2))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. TILA 130b Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery The finance charges include the following fees:<br>Lender Closing Fee paid by Borrower: $XXX<br> Tax Service Fee paid by Borrower: $XXX<br> Technology Fee paid by Borrower: $XXX<br> Title Courier Fee paid by Borrower: $XXX<br> Title Email Fee paid by Borrower: $XXX<br> Tie-in Fee paid by Borrower: $XXX<br> Recording Service Fee paid by Borrower: $XXX<br> Settlement or Closing Fee paid by Borrower: $XXX<br> Title Signing Fee paid by Borrower: $XXX<br> Sub-Escrow Fee paid by Borrower: $XXX<br> Title Wire [Wire Transfer Fee] paid by Borrower: $XXX<br> Prepaid Interest paid by Borrower: $XXX<br>The total finance charge fees total $XXX, as reflected on Mavent, and are only off by $XXX from the auditor's total finance charges of $XXX (Mavent reflects a courier fee of $XXX vs. $XXX listed on the final CD, pg. XXX). However, the calculated Finance Charge of $XXX, reflected on Mavent, exceeds the disclosed Finance Charge of $XXX, reflected on the Final CD, by $XXX. All in all, the audited Finance Charge of $XXX exceeds the disclosed Finance Charge of $XXX by $XXX. The Finance Charge Amount is underdisclosed by $XXX, and therefore, is not considered accurate because it is understated by more than $XXX.<br>| Cure Docs; PCCD | 05/01/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided PCCD reflecting a correction in fees. Please provide the final settlement statement to verify fees paid by the Borrower. Condition retained. | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 500000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 500000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Rerun LP showing XXX year history of self employment and prior employment as system is asking for XXX yrs tax returns for B1 when business has only been in existence since XX/XX/XXXX. Tax returns and W2s were provided in the file but LP input needs to show correct requirements including prior regular employment. | Return shows that there is no sch E income for the B1.; This is a DU loan. See 1008 showing DU. Last findings run were DU. We provided the XXX W2 showing prior work history as well as a WVOE. The 1003 shows the prior employment as well. | 05/02/2025 | Condition resolved as we have received the second year tax returns. ; AUS is not incomplete; Audit reviewed Lender' response and has determined XXX year tax return is sufficient for XXX; however, bullet point #XXX and #XXX on the DU reflects XXX years tax returns are required for Borrower XXX for XXX. Please provide XXX years personal and business tax returns for Borrower XXX. Condition retained.; AUS Partially Provided Rerun LP showing two year history of self employment and prior employment as system is asking for XXX yrs tax returns for BX when business has only been in existence since XX/XX/XXXX. Tax returns and WXs were provided in the file but LP input needs to show correct requirements including prior regular employment. ; AUS Partially Provided Rerun LP showing two year history of self employment and prior employment as system is asking for XXX yrs tax returns for BX when business has only been in existence since XX/XX/XXXX. Tax returns and WXs were provided in the file but LP input needs to show correct requirements including prior regular employment. | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/18/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing evidence of the sale of the property located at XXX . The settlement statement in the file is not signed nor certified by the title company. Additional conditions may apply. | sale of home cd | 04/25/2025 | Lender provided final certified settlement statement for sale of property XXX. Condition cleared.; Borrower XXX Credit Report is not partially present.; Borrower XXX Credit Report is Partially Present. Missing evidence of the sale of the property located at XXX XXX . The settlement statement in the file is not signed nor certified by the title company. Additional conditions may apply. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/21/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. Additional conditions may apply. | Title Policy | 04/25/2025 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding; Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. Additional conditions may apply. | 04/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| 500000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/18/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(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)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee on the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for additional charge. Please provide a valid COC or cure package. | LOX, PCCD, Fed Ex, Ck Copy | 04/28/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 04/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/18/2025 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. | Patriot Act ID Cert; US patriot act disclosure | 04/25/2025 | Lender provided completed Patriot Act form. Condition cleared.; US Patriot Act Disclosure or ID provided.; Lender provided Patriot Act Disclosure and Name and Signature affidavit; however, did not provide the completed Patriot Act form reflecting documentation used to identify the Borrower. Condition retained.; Missing US Patriot Act Disclosure or ID. | 04/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 500000086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 500000087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/22/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | XXX XX/XX/XXXX Please see attached disclosure signed by the borrower showing they received the appraisal at closing | 04/23/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. | 04/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/22/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Please provide updated title. Additional conditions may apply. | XX/XX/XXXX XXX please see attached please clear thank you | 05/06/2025 | Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/22/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. Additional conditions may apply. | Title Report with Supplemental Addendum | 04/24/2025 | Lender provided Title reflecting sufficient coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 04/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(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)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee on the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for additional charge. Please provide a valid COC or cure package. | pccd docs, cure check and proof of mailing upld | 05/05/2025 | Condition cured. Received cure package for $XXX appraisal fee, copy of check, LOX, PCCD and evidence of mailing from lender. Non material Grade B. ; Condition cured. Received cure package for $XXX appraisal fee, copy of check, LOX, PCCD and evidence of mailing from lender. Non material Grade B. | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Provide title work to show corrected coverage of $XXX. | XX/XX/XXXX XXX-see attached | 05/01/2025 | Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 05/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure | XXX XX/XX/XXXX Please see attached Homeownership Counseling Disclosure. | 04/28/2025 | Lender provided Homeownership Counseling disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable | 04/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for ALL of the properties listed on the Final 1003-(XXX properties) Additional conditions may apply. | XX/XX/XXXX XXX: We confirmed each REO did not have an HOA, there is no guideline require for a borrower LOX to confirm this. Fraud report did not indicate any potential properties with an undisclosed HOA, there are no indications of HOA fees being paid out of borrowers assets, and we were unable to find any evidence supporting any of these had HOA fees associated. Please clear or clarify what is indicating any of the properties has an HOA. | 04/28/2025 | Audit reviewed Lender's response and has determined the schedule E verified XXX of the REO properties do not have HOA fees and audit property search of XXX supports property does not have HOA fees. Condition cleared. | 04/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property located at XXX. XXX/XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached document that shows no HOA is associated wit this property. | 04/29/2025 | Issue resolved as we have received evidence of the HOA dues. | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached document that shows HOA ; XX/XX/XXXX XXX: Please see attached document that shows no HOA is associated wit this property. | 04/29/2025 | Issue resolved as we have received evidence of no HOA dues. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached document that shows no HOA is associated wit this property. | 04/29/2025 | Issue resolved as we have received evidence of no HOA dues. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the 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)(1)(i). TILA 130b Cure Required. Lender credit decreased from $XXX on LE XX/XX/XXXX to $XXX on the final CD XX/XX/XXXX. Timing issue related to missing the initial CD XXX days prior to loan consummation. | XXX XX/XX/XXXX: Please see attached COC for loan amount change, and corresponding disclosure. On XXX the loan amount changed, negative pricing disclosed on the XXX CD. | 04/29/2025 | Issue resolved as we have received the valid COC for the loan amount change and the discount points that cause credit decrease. ; Issue resolved as we have received the valid COC for the loan amount change and the discount points that cause credit decrease. | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §XXX(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. Initial CD issued at least XXX days prior to loan consummation is missing from the loan file. | XXX XX/XX/XXXX: Please see the attached CD | 04/29/2025 | Issue resolved as we have received the missing Initial CD. ; Issue resolved as we have received the missing Initial CD. | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.X% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Capital gains are being used as income totaling $XXX/mo. XXX yrs personal returns were provided to confirm a XXX yr history and assets of $XXX were verified which would not be sufficient to show continuance of $XXX/mo. Lender explanation is insufficient without documentation to confirm assets. All businesses have under XXX% ownership so only K1's were provided. DU approval requires " current evidence that the borrower owns additional property or assets that can be sold for extra income if needed to make future mortgage payments" Lender to provide detailed explanation of additional assets and documentation to confirm those assets. Additional conditions may apply. | XX/XX/XXXX XXX: Majority of this income came from partnerships, XXX, estates, and trusts from Schedule(s) K-1. Borrower has ownership in many different business, there is XXX pages of statement 2 listing them all. This is sufficient to show borrower's capability to keep selling off interest to maintain this level of capital gains for the next XXX years. | 04/28/2025 | Issue resolved as the borrower has many avenues of income listed and statements that are valid for use, condition has been resolved. ; Income and Employment Meet Guidelines | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 500000098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. | Uploaded Fraud Guard. Thank you | 04/28/2025 | Lender provided Fraud report. Condition cleared.; Third Party Fraud Report is provided | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 500000026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/25/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($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)(1)(i) by more than XXX 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)(1)(vi). TILA XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the e-recording fee, $XXX to $XXX for the CPL fee, and $XXX to $XXX for the title policy. The Written List of Service Provider List is dated XX/XX/XXXX and was not within XXX days of the application date which is causing the exception. Please provide the SSPL within XXX days of the application date or cure package. | PCCD | 05/01/2025 | Lender provided LOE and PCCD that matches the final settlement Statement in file reflecting recording fees of $XXX. Condition cleared.; Lender provided LOE and PCCD that matches the final settlement Statement in file reflecting recording fees of $XXX. Condition cleared. | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE1484 | Credit | Asset 6 Does Not Meet Guideline Requirements | Asset 6 Does Not Meet Guideline Requirements Lender to provide new gift letter. Gift letter shows gift of $XXX but actual deposit into borrowers account is $XXX. | gift letter | 05/06/2025 | Received updated corrected Gift letter, resolved. ; Asset XXX Meets Guideline Requirements Or Not Applicable | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide a title update showing sufficient coverage. Additional conditions may apply. | Supplement attached | 05/01/2025 | Resolved as we have received evidence from title company for correct title amount. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §XXX(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. Initial CD issued at least XXX days prior to loan consummation is missing from the loan file. | ICD and audit trail | 05/01/2025 | Condition resolved as we have received the missing initial CD along with evidence of receipt. ; Condition resolved as we have received the missing initial CD along with evidence of receipt. | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE1485 | Credit | Asset 7 Does Not Meet Guideline Requirements | Asset 7 Does Not Meet Guideline Requirements Gift funds in the amount of $XXX are not sourced per AUS line XXX Verify gift by obtaining a signed gift letter (in file), document the transfer of funds and ensure the gift comes from an eligible source. Additional conditions may apply. | wire receipt attached | 05/01/2025 | Condition resolved as we have received the source documentation for the gift. ; Asset XXX Meets Guideline Requirements Or Not Applicable | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE1192 | Credit | Audited Reserves are less than AUS Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than AUS Required Reserves of XXX month(s) Audited Reserves of XXX month(s) are less than Required Reserves of XXX month(s) per lender overlays. Lender did not use the most recent months ending balance of $XXX and instead used $XXX for acct. ending in XXX. | XX/XX/XXXX XXX: Please see attached copy of XXX statement; XX/XX/XXXX XXX: Please see attached copy of XXX statement | 05/08/2025 | Lender provided additional asset documentation. Condition cleared.; Audited Reserves of XXX month(s) are greater than or equal to AUS Required Reserves of XXX month(s) | 05/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide an updated policy. | XX/XX/XXXX SW-see attached | 05/01/2025 | Lender provided title policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 05/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | XXX XX/XX/XXXX Disagree - Our Contract states that XXX will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal in the final closing package pages XXX | 04/30/2025 | Lender provided the closing package dated XX/XX/XXXX, that included the appraisal and indicated the appraisal was provided with the closing package. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception. Initial CD issued at least XXX days prior to consummation is missing from the loan file. Please provide copy of the initial CD and verification borrower acknowledged XXX days prior to consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §XXX(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(1)(i) no later than XXX business days before consummation. | XXX XX/XX/XXXX Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on XXX and the mailbox rule was applied. This meets the XXX business days before the closing date of XXX. | 04/30/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared. | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000092 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see attached. There is no active HOA for this property per the loan integrity report. | 04/30/2025 | Lender provided property search through FraudGUARD for property XXX Altadena reflecting property does not have HOA fees. Condition cleared. | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX - XXX - Please see the attached document confirming monthly HOA dues of $XXX and loan integrity report. The document can be tied to XXX. via the loan integrity report, which confirms "XXX" as the legal description/neighborhood name. | 04/30/2025 | Lender provided verification of HOA fees for property XXX XXX XXX. Condition cleared. | 05/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 500000094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The borrower owns XXX Schedule C businesses, however the borrower received W-2s from Schedule C businesses. Please provide explanation for the borrower's Schedule C businesses are receiving W2 income. | XX/XX/XXXX XXX: Looking at the W2 and SCH C returns the businesses are different. They have different EIN numbers.; XX/XX/XXXX XXX: Looking at the W2 and SCH C returns the businesses are different. They have different EIN numbers.; XX/XX/XXXX XXX: Looking at the W2 and SCH C returns the businesses are different. They have different EIN numbers. | 05/06/2025 | Resolved as we have received explanation for the WX and Sch C names form lender. ; Income and Employment Meet Guidelines | 05/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 500000094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 500000059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of Taxes and Insurance for the property at XXX. Mortgage statement in file doesn't break out the tax and insurance so need separate statements. Additional conditions may apply. | invalid condition, pgXXX of mtg stmnt shows disbursements - City tax $XXX, County $XXX and HOI $XXX. | 05/01/2025 | Audit reviewed Lender's response and has determined the mortgage statement on page XXX of the loan file reflects an escrow breakdown verifying escrows include both taxes and insurance. Condition cleared. | 05/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/17/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/29/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the properties at XXX and XXX. If not applicable, a LOE stating there are no HOA dues is required.<br> The mortgage statement for the property at XXX does not specify if both taxes and insurance are escrowed. Please provide tax certificate and insurance policy. | Full credit fill attached. This was included in the original doc package. HOA LOE attached. This was also included in the orig doc pkg. See tax statement for XXX. You can see that both taxes and insurance are escrowed. | 05/06/2025 | Resolved as we have received the missing evidence of PITI and HOA dues from the lender. ; Borrower XXX Credit Report is not partially present. | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/01/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA. | CDA | 05/09/2025 | Third party valuation product provided within tolerance. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XX.X years on job. Borrower has XX.X years on job. A |
| 500000090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XX.X years on job. Borrower has XX.X years on job. A |
| 500000056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 04/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/04/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Per fraud report, the borrower owns the property at XXX. There is a LOE from the borrower stating that they don't own the property, however this does not suffice. Please provide property profile report or any supporting documentation reflecting the borrowers do not own the property stated above. | attached | 05/07/2025 | Lender provided Property Detail Report and Warranty Deed reflecting Borrowers sold property XXX prior to the subject loan closing. Condition cleared.; Borrower XXX Credit Report is not partially present. | 05/09/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000121 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($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)(1)(i) by more than XXX 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)(1)(vi). TILA XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the e-recording fee, $XXX to $XXX for the CPL fee, and $XXX to $XXX for the title policy. The Written List of Service Provider List is dated XX/XX/XXXX and was not within XXX days of the application date which is causing the exception. Please provide the SSPL within XXX days of the application date or cure package. | ; ; Documentation received, XXX to review.; Document Uploaded. pccd and payment history | 05/15/2025 | Cure package provided to the borrower; exception downgraded to a X/B | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 500000123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000068 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/08/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The DU findings on page XXX, item XXX, state that a verbal, written, or email verification of employment must be obtained within XXX calendar days of the note date for self-employed borrowers. Although the file includes a business search on page XXX, the document is not dated; therefore, it cannot be confirmed that it was obtained within the required timeframe. | 3rd Party Verify showing Date | 05/09/2025 | Lender provided business search dated post close, which meets AUS and FNMA requirements. Condition cleared.; Borrower XXX Xrd Party VOE Prior to Close Was Provided | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000068 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/08/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(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)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee on the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for additional charge. Please provide a valid COC or cure package. | uploaded to other condition. | 05/13/2025 | Lender provided Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/08/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §XXX(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. Missing a copy of the initial Closing Disclosure. Per the lenders compliance report the initial CD was issued XX/XX/XXXX and is missing from the loan file. Please provide a copy of the initial CD issued and acknowledged by the borrower at least XXX days prior to loan consummation. | initial CD | 05/13/2025 | Lender provided Initial CD. Condition cleared. | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Borrower owns two business. Income from one was used to qualify for the loan, while loss from the other was deducted from the qualifying income. However, the final loan application reflects only one of the businesses. Since the loss from the second business impacted the qualifying income, it should also be included on the loan application. Please provide an updated loan application that lists the secondary business with its associated losses. | ; ; Documentation received, XXX to review.; Document Uploaded. The 1003 has been updated to show the secondary self-employment; however, our system does not allow negative income to be entered on the 1003 which is why the income was deducted from the primary income. ; Seller to provide updated 1003 with XXX loss. ; | 05/14/2025 | The Final XXX is Present | 05/14/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | ; | 05/19/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 05/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Lis Pendens recorded XX/XX/XXXX affects title to real property. The Note associated with this filing was paid at close in the amount of $XXX, but the loan file does not contain evidence that the lis pendens has been released. | ; ; Documentation received, XXX to review.; Document Uploaded. The attached docs were included in the bundle sent to you. This was paid off at closing per the divorce decree. The original note, final CD and payoff show ; ; | 05/19/2025 | Provided documentation confirms lien has been paid off. Closing Disclosure reflects payoff as well. Finding resolved ; Property Title Issue Resolved | 05/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Waived | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Borrower has XXX months reserves. Guideline requirement is XXX months for a FTHB |  | 05/08/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (X) compensating factors for this purpose: X) Borrower has X+ years on job X) XXX% DTI, and X) XXX FICO. | 05/08/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time A |
| 500000128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Borrower has XXX months reserves. Guideline requirement is XXX months for a FTHB | ; | 05/08/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three (X) compensating factors for this purpose: X) Borrower has X+ years on job X) XXX% DTI, and X) XXX FICO. | 05/08/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time A |
| 500000128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Borrower has XXX months reserves. Guideline requirement is XXX months for a XXX |  | 05/08/2025 | ATR: Reasonable Income or Assets Was Considered | 05/08/2025 | Qualifying FICO is Greater than the Guideline Minimum<br>Qualifying DTI below max allowed.<br>Borrower has stable job time A |
| 500000080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/12/2025 | Resolved | FCRE1394 | Credit | Borrower 3 Executed 4506-T Missing | Borrower 3 Executed 4506-T Missing Missing 4506 T for B3. | XXX 4506C and summary cert | 05/14/2025 | Lender provided XXX-C for Borrower X. Condition cleared.; Borrower XXX Executed XXX Provided or Not Applicable (Number of Borrowers equals X) | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/12/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Full appraisal is required and was not submitted in the file. Additional conditions may apply. | Appraisal | 05/13/2025 | Lender provided appraisal. Condition cleared.; Appraisal is Present or is Waived | 05/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/12/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | Appraisal Disclosure Tracking | 05/13/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 05/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | ; | 05/12/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 05/12/2025 | B A |
| 500000032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| 500000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 500000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due the service provider from the SSPL was used. The notary fee increased and the Escrow service fee was added This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($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)(1)(i) by more than XXX 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)(1)(vi). | ; ; Documentation received, XXX to review.; Document Uploaded. PCCD and payment history | 05/19/2025 | Cure package provided to the borrower; exception downgraded to a X/B | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 500000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The electronic delivery consent script in file is not for the borrowers. The Onespan Esign information does not show the first disclosure set | ; ; Documentation received, XXX to review.; Document Uploaded. Please see attached earliest econsent on attached audit trail.; | 05/15/2025 | E consent provided, exception resolved; Evidence of eConsent is provided. | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000117 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/16/2025 | Resolved | FCRE0388 | Credit | Borrower 3 Photo Identification not provided | Borrower 3 Photo Identification not provided. There is no Photo Identification documents for the third borrower. There is also no USA Patriot Act Information Form for this borrower in file. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 05/22/2025 | Power of attorney provide, BX was not present at closing ; Photo Identification provided. | 05/22/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The provided AUS dated XX/XX/XXXX submission 1 does not match the final terms of the loan. Please provide the final run DU AUS with accurate final terms. | ; Documentation received, XXX to review.; Document Uploaded. ; | 06/20/2025 | AUS is not incomplete; AUS Partially Provided | 06/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Document Required: Missing Affiliated Business Disclosure from the file | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/29/2025 | Required Affiliated Business Disclosure Documentation Provided | 06/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| 500000004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(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)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee on the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for additional charge. Please provide a valid COC or cure package. | ; Documentation received, XXX to review.; Document Uploaded. ; | 06/05/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 06/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000006 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | ; ; | 05/23/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's request. | 05/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000116 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | ; | 06/03/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 06/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 500000109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | ; ; | 06/10/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 500000109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The AUS and 1008 identify the loan purpose as XXX, but the internal loan approval docs identify the loan purpose as XXX XXX. | ; Documentation received, XXX to review.; Document Uploaded. Please see attached updated AUS and 1008.; Redwood requires delayed financing to be treated as a XXX ; | 06/10/2025 | AUS is not incomplete | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 500000009 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §XXX(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXX(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §XXX(f)(1)(i). The consumer must receive a revised version of the disclosures required under §XXX(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Provide evidence the borrower acknowledged receipt of the revised LE's issued issued XX/XX/XXXX at least XXX days prior to consummation | ; Documentation received, XXX to review.; Document Uploaded. ; | 06/10/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 06/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000001 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | FCRE7551 | Credit | Missing Divorce Decree | Missing Divorce Degree and/or quit claim to verify status of departing residence. | ; ; Document Uploaded. ; Documentation received, XXX to review.; | 06/20/2025 | Divorce decree provided, confirms borrower no longer liable for departure mortgage/property | 06/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000001 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | FCRE1155 | Credit | Subject Property Address on Note does not match Insured Property Address | Subject Property on Note does not match Insured Property Address Insurance declaration reflects subject property address as XXX, note and appraisal show address as XXX | ; Documentation received, XXX to review.; Document Uploaded. | 06/20/2025 | Subject Property on Note matches Insured Property Address; Document Uploaded. | 06/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Waived | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The proposed amount of insurance on the title commitment of $XXX is less than the subject loan amount of $XXX. Please provide a revised title commitment with sufficient coverage. | ; ; | 06/13/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 06/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Per Redwood Residential Eligibility Program Supplement v6.2, borrowers should disclose and verify all liquid assets. Please provide a revised loan application for the Co-Borrower reflecting the account from which a wire transfer of $XXX originated for closing funds. | ; ; ; | 06/13/2025 | Sufficient assets were provided by the borrower to offset need for additional documentation for $XXX transfer. Updated final XXX is not required ; The Final XXX is Present | 06/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per Redwood Residential Eligibility Program Supplement v6.2, borrowers should disclose and verify all liquid assets. Please provide most recent two months of consecutive bank statements (including all pages and documenting all large deposits) for the Co-Borrower's account from which a wire transfer of $XXX originated for closing funds, as this account was not disclosed on the loan application or verified in the loan file. | ; ; ; | 06/13/2025 | Sufficient assets were provided by the borrower to offset need for additional documentation for $XXX transfer. Finding is resolved. ; Asset Qualification Meets Guideline Requirements | 06/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(1)). There is no evidence the borrower received a copy of the appraisal at or prior to loan consummation.. | ; | 06/13/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 06/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| 500000002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS Missing DU AUS  | ; Document Uploaded. ; Documentation received, XXX to review.; | 06/20/2025 | AUS is not missing | 06/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | finding-3716 | Compliance | XXX Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX 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. Final CD shows interest start date is XX/XX/XXXX but disbursement shows X/X per the settlement statement. Disbursement on CD listed as X/X but is prior to consummation. Provide correct disbursement date or PCCD | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/18/2025 | PCCD provided; Exception resolved; PCCD provided; Exception resolved | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 500000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §XXX(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. Missing a copy of the initial Closing Disclosure. Per the lenders compliance report the initial CD was issued XX/XX/XXXX and is missing from the loan file. Please provide a copy of the initial CD issued and acknowledged by the borrower at least XXX days prior to loan consummation. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see attached e-sign documentation showing Borrowers received and viewed XXX XX/XX/XXXX on XX/XX/XXXX.; ; | 06/13/2025 | Delivery date provided; Exception resolved; Delivery date provided; Exception resolved | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(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)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Review Fee on the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for additional charge. Please provide a valid COC or cure package. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see attached e-sign documentation showing Borrowers received and viewed XXX XX/XX/XXXX on XX/XX/XXXX.; ; | 06/13/2025 | Delivery date provided; Exception resolved; Delivery date provided; Exception resolved | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 500000107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 500000112 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |

---

## Exhibit 99.12

**Exhibit 99.12**

**EXHIBIT 99.12 CONSOLIDATED ANALYTICS RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 500000010 |  |  | $XXXXXX D A C |
| 500000013 |  |  | $XXXXXX C A |
| 500000104 |  |  | $XXXXXX C A |
| 500000011 |  |  | $XXXXXX C B A |
| 500000014 |  |  | $XXXXXX C A |
| 500000012 |  |  | $XXXXXX C A |
| 500000017 |  |  | $XXXXXX D A |
| 500000018 |  |  | $XXXXXX C B A |
| 500000015 |  |  | $XXXXXX C A |
| 500000103 |  |  | $XXXXXX C B A |
| 500000019 |  |  | $XXXXXX C A |
| 500000043 |  |  | $XXXXXX D A |
| 500000058 |  |  | $XXXXXX D C A |
| 500000062 |  |  | $XXXXXX C B A |
| 500000082 |  |  | $XXXXXX C A |
| 500000054 |  |  | $XXXXXX C A |
| 500000085 |  |  | $XXXXXX C A |
| 500000089 |  |  | $XXXXXX C A |
| 500000051 |  |  | $XXXXXX C A |
| 500000100 |  |  | $XXXXXX C A |
| 500000023 |  |  | $XXXXXX D A |
| 500000050 |  |  | $XXXXXX C A |
| 500000066 |  |  | $XXXXXX C A |
| 500000069 |  |  | $XXXXXX C A |
| 500000035 |  |  | $XXXXXX C A |
| 500000041 |  |  | $XXXXXX C A |
| 500000020 |  |  | $XXXXXX C B A |
| 500000115 | XXXXX |  | $XXXXXX D C A |
| 500000114 | XXXXX |  | $XXXXXX D A |
| 500000034 |  |  | $XXXXXX C A |
| 500000083 |  |  | $XXXXXX C A |
| 500000064 |  |  | $XXXXXX C A |
| 500000074 |  |  | $XXXXXX C A |
| 500000049 |  |  | $XXXXXX C A |
| 500000091 |  |  | $XXXXXX C A B |
| 500000105 |  |  | $XXXXXX C A |
| 500000065 |  |  | $XXXXXX C A |
| 500000025 |  |  | $XXXXXX C A B |
| 500000028 |  |  | $XXXXXX C A |
| 500000079 |  |  | $XXXXXX D A |
| 500000024 |  |  | $XXXXXX C A |
| 500000101 |  |  | $XXXXXX C A |
| 500000073 |  |  | $XXXXXX C A |
| 500000060 |  |  | $XXXXXX C A B |
| 500000052 |  |  | $XXXXXX C A |
| 500000021 |  |  | $XXXXXX C A |
| 500000086 |  |  | $XXXXXX C A |
| 500000033 |  |  | $XXXXXX C A |
| 500000087 |  |  | $XXXXXX C B A |
| 500000038 |  |  | $XXXXXX C A |
| 500000078 |  |  | $XXXXXX C A |
| 500000027 |  |  | $XXXXXX C A |
| 500000084 |  |  | $XXXXXX D A |
| 500000095 |  |  | $XXXXXX C A |
| 500000106 |  |  | $XXXXXX C A |
| 500000036 |  |  | $XXXXXX C A |
| 500000030 |  |  | $XXXXXX C A B |
| 500000093 |  |  | $XXXXXX C A |
| 500000044 |  |  | $XXXXXX D B A |
| 500000077 |  |  | $XXXXXX C A |
| 500000063 |  |  | $XXXXXX D A |
| 500000076 |  |  | $XXXXXX C A |
| 500000046 |  |  | $XXXXXX D A |
| 500000067 |  |  | $XXXXXX C A |
| 500000099 |  |  | $XXXXXX C A |
| 500000039 |  |  | $XXXXXX C A |
| 500000098 |  |  | $XXXXXX C A |
| 500000075 |  |  | $XXXXXX D A |
| 500000026 |  |  | $XXXXXX C A |
| 500000037 |  |  | $XXXXXX C A |
| 500000022 |  |  | $XXXXXX C A |
| 500000070 |  |  | $XXXXXX C A |
| 500000055 |  |  | $XXXXXX C A |
| 500000053 |  |  | $XXXXXX C A |
| 500000071 |  |  | $XXXXXX C A |
| 500000045 |  |  | $XXXXXX C A |
| 500000047 |  |  | $XXXXXX C A |
| 500000092 |  |  | $XXXXXX C A |
| 500000048 |  |  | $XXXXXX D A |
| 500000057 |  |  | $XXXXXX D A |
| 500000081 |  |  | $XXXXXX C A |
| 500000094 |  |  | $XXXXXX C A |
| 500000059 |  |  | $XXXXXX D A |
| 500000072 |  |  | $XXXXXX C A |
| 500000088 |  |  | $XXXXXX C A |
| 500000090 |  |  | $XXXXXX C A |
| 500000056 |  |  | $XXXXXX C A |
| 500000119 | XXXXX |  | $XXXXXX A |
| 500000120 | XXXXX |  | $XXXXXX A |
| 500000096 |  |  | $XXXXXX C A |
| 500000016 |  |  | $XXXXXX C A |
| 500000029 |  |  | $XXXXXX C A |
| 500000042 |  |  | $XXXXXX C A |
| 500000061 |  |  | $XXXXXX C A |
| 500000121 | XXXXX |  | $XXXXXX A C B |
| 500000123 | XXXXX |  | $XXXXXX A |
| 500000122 | XXXXX |  | $XXXXXX A |
| 500000124 | XXXXX |  | $XXXXXX A |
| 500000097 |  |  | $XXXXXX C A |
| 500000125 | XXXXX |  | $XXXXXX A |
| 500000068 |  |  | $XXXXXX D A |
| 500000102 |  |  | $XXXXXX C A |
| 500000127 | XXXXX |  | $XXXXXX D A |
| 500000126 | XXXXX |  | $XXXXXX C B A |
| 500000128 | XXXXX |  | $XXXXXX D A B |
| 500000080 |  |  | $XXXXXX D B A |
| 500000129 | XXXXX |  | $XXXXXX A B |
| 500000032 |  |  | $XXXXXX C A |
| 500000040 |  |  | $XXXXXX C A |
| 500000031 |  |  | $XXXXXX C A |
| 500000005 | XXXXX |  | $XXXXXX A C B |
| 500000131 | XXXXX |  | $XXXXXX A B |
| 500000117 | XXXXX |  | $XXXXXX D A |
| 500000134 | XXXXX |  | $XXXXXX A |
| 500000133 | XXXXX |  | $XXXXXX A |
| 500000132 | XXXXX |  | $XXXXXX A |
| 500000004 | XXXXX |  | $XXXXXX D C A |
| 500000006 | XXXXX |  | $XXXXXX A B |
| 500000116 | XXXXX |  | $XXXXXX A |
| 500000130 | XXXXX |  | $XXXXXX A |
| 500000118 | XXXXX |  | $XXXXXX A |
| 500000108 | XXXXX |  | $XXXXXX A B |
| 500000109 | XXXXX |  | $XXXXXX D B A |
| 500000009 | XXXXX |  | $XXXXXX A C |
| 500000008 | XXXXX |  | $XXXXXX A |
| 500000001 | XXXXX |  | $XXXXXX D A |
| 500000110 | XXXXX |  | $XXXXXX A |
| 500000111 | XXXXX |  | $XXXXXX D B A |
| 500000002 | XXXXX |  | $XXXXXX A |
| 500000007 | XXXXX |  | $XXXXXX D C A |
| 500000113 | XXXXX |  | $XXXXXX A C |
| 500000107 | XXXXX |  | $XXXXXX A |
| 500000003 | XXXXX |  | $XXXXXX A |
| 500000112 | XXXXX |  | $XXXXXX A |

---

## Exhibit 99.13

**Exhibit 99.13**

**EXHIBIT 99.13 CONSOLIDATED ANALYTICS VALUATIONS REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **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 Company Name** | **AVM Product Name** | **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** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **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** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 500000010 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 500000013 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 500000104 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 500000011 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 500000014 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500000012 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 500000017 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0400 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0400 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000018 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 500000015 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000103 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 500000019 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 500000043 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000058 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 500000062 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0361 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0361 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 500000082 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 500000054 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000085 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 500000089 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 500000051 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 500000100 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 500000023 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 500000050 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 500000066 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 500000069 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 500000035 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 500000041 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 500000020 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 500000115 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500000114 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000034 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 500000083 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 500000064 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 500000074 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 500000049 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 500000091 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 500000105 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 500000065 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 500000025 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 500000028 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 500000079 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 500000024 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 500000101 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 500000073 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 500000060 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 500000052 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000021 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 500000086 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | -.0218 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0218 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 500000033 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 500000087 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 500000038 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 500000078 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 500000027 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 500000084 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 500000095 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 500000106 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 500000036 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000030 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 500000093 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000044 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0200 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0200 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 500000077 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000063 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 500000076 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 500000046 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 500000067 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 500000099 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 500000039 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 500000098 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 500000075 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 500000026 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0130 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0130 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 500000037 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 500000022 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 500000070 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 500000055 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000053 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 500000071 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | -.0546 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0546 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 500000045 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 500000047 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 500000092 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 500000048 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000057 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 500000081 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 500000094 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| 500000059 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 500000072 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 500000088 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000090 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 500000056 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 500000119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000120 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 500000096 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 500000016 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000029 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 500000042 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 500000061 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000121 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 500000123 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000122 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 500000124 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 500000097 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000125 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500000068 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 500000102 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 500000127 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 500000126 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  | $XXX | $XXX | .1058 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 500000128 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 500000080 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 500000129 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0333 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 500000032 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0764 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 500000040 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 500000031 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 500000005 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 500000131 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000117 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 500000134 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0049 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 500000133 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.7 |  |
| 500000132 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 500000004 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  | $XXX | $XXX | .0476 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 500000006 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0402 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0402 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 500000116 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 500000130 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 500000118 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 500000108 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000109 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 500000009 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 500000008 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 500000001 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 500000110 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000111 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 500000002 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 500000007 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 500000113 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0234 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0234 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 500000107 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 500000003 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 500000112 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |

---

## Exhibit 99.14

**Exhibit 99.14**

**EXHIBIT 99.14 CONSOLIDATED ANALYTICS DATA COMPARE REPORT**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 500000054 |  |  | XXX | Borrower 1 FTHB | the1003Page | XXX | XXX | Per final 1003, both borrowers XXX. |
| 500000023 |  |  | XXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXX | XXX | Per final application, B1 has less than XXX% ownership and is XXX. |
| 500000023 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000023 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000023 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | XXX | XXX | Per asset documents. |
| 500000023 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000066 |  |  | XXX | Borrower 1 Qualifying Income | employmentIncomePage | $XXX | $XXX | Per income documents. |
| 500000066 |  |  | XXX | Interested Party Contributions | finalCdDetailPage | XXX | XXX | Audit data is dollar amount, tape data is percentage. |
| 500000066 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000114 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | CB- Highest wage earner mid score vs Primary B's mid score. |
| 500000114 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per Final CD reflecting escrow accounts established. |
| 500000034 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000083 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000083 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000083 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000064 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | $XXX | $XXX | HOI plus flood. |
| 500000064 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000065 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000065 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000025 |  |  | XXX | Borrower 1 FTHB | the1003Page | XXX | XXX | Per final application. |
| 500000025 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000025 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing dislcosure. |
| 500000025 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000025 |  |  | XXX | Total Closing Costs | postConsummationCdDetailPage | $XXX | $XXX | Per PCCD. |
| 500000101 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000101 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000101 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000101 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per final closing disclosure. |
| 500000101 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | XXX | XXX | Per asset documents. |
| 500000052 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000052 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000052 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | $XXX | $XXX | Per HOI. |
| 500000052 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000052 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000052 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | XXX | XXX | Per asset documents. |
| 500000086 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000086 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000086 |  |  | XXX | Interested Party Contributions | postConsummationCdDetailPage | XXX | XXX | Audit value is dollar amount, tape data is percentage. |
| 500000086 |  |  | XXX | Monthly HOA $| propertyValuationPage | $XXX | $XXX | Per appraisal. |
| 500000086 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | $XXX | $XXX | Hazard plus flood insurance. |
| 500000086 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000033 |  |  | XXX | Interested Party Contributions | finalCdDetailPage | XXX | XXX | Per final closing disclosure. |
| 500000033 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per closing dislcosure |
| 500000033 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | $XXX | $XXX | Per homeowners plus fire insurance. |
| 500000033 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000033 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000033 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | XXX | XXX | Per asset documents. |
| 500000030 |  |  | XXX | Total Closing Costs | postConsummationCdDetailPage | $XXX | $XXX | Per PCCD. |
| 500000067 |  |  | XXX | Borrower 1 Qualifying Income | employmentIncomePage | $XXX | $XXX | Per final application. |
| 500000067 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000067 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000098 |  |  | XXX | Interested Party Contributions | postConsummationCdDetailPage | XXX | XXX | Audit value is dollar amount, tape data is percentage. |
| 500000098 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000098 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000075 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000053 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report.. |
| 500000053 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000045 |  |  | XXX | Borrower 2 Origination FICO | creditLiabilitiesPage | XXX | XXX | Per credit report. |
| 500000047 |  |  | XXX | Borrower 3 Qualifying Income | employmentIncomePage | $XXX | $XXX | Per income documents. |
| 500000047 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000047 |  |  | XXX | Borrower 3 Origination FICO | creditLiabilitiesPage | XXX | XXX | Per credit report. |
| 500000047 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000047 |  |  | XXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per LP. |
| 500000092 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000092 |  |  | XXX | Borrower 2 Origination FICO | creditLiabilitiesPage | XXX | XXX | Per credit report. |
| 500000092 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000081 |  |  | XXX | Borrower 1 Qualifying Income | employmentIncomePage | $XXX | $XXX | Per income documents. |
| 500000081 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000081 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000081 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000120 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final 1008 and AUS, DTI was XXX%. Tape data value is unknown. |
| 500000096 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000096 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing dislcosure. |
| 500000096 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000096 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | XXX | XXX | Per asset documents. |
| 500000096 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000016 |  |  | XXX | Loan ID | manual | XXXXX | XXXXX | Per loan docs. Tape data value is unknown. |
| 500000029 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000029 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing dislcosure. |
| 500000029 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000042 |  |  | XXX | Total Closing Costs | finalCdDetailPage | $XXX | $XXX | Per final closing dislcosure. |
| 500000124 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches lender DTI. |
| 500000125 | XXXXX |  | XXX | Borrower 2 Last Name | notePage | XXXXX | XXXXX | Validated B2 last name with Note and Mortgage. |
| 500000125 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Validated total DTI with documents provided. Lender did not included total REO debt for property located at XXX. |
| 500000068 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing documents. |
| 500000068 |  |  | XXX | Total Monthly Property Insurance Amount | propertyInsurancePage | $XXX | $XXX | This amount includes HOI, Windstorm, and Flood. |
| 500000068 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000102 |  |  | XXX | Borrower 1 FTHB | the1003Page | XXX | XXX | B1 is XXX a XXX. B2 is XXX. |
| 500000102 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000102 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000102 |  |  | XXX | Total Closing Costs | postConsummationCdDetailPage | $XXX | $XXX | Per PCCD. |
| 500000102 |  |  | XXX | Total Qualified Assets for Reserves Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000102 |  |  | XXX | Qualifying Total Reserves Number of Months | assetPage | XXX | XXX | Per asset documents. |
| 500000102 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000127 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit consumer debts lower due to excluding a payment for XXX card verified as paid per credit supplement in file. |
| 500000126 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | $XXX | $XXX | Per final CD, total cash out was $XXX |
| 500000126 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Per final 1008 and DU, DTI was XXX%. Difference is due to the $XXX monthly payment of "debts" on final 1003. There is no documentation for this debt or not reflected on the credit report. |
| 500000128 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | DTI variance due to consumer credit pmts & prop taxes. W/in XXX% variance of AUS. |
| 500000031 |  |  | XXX | Borrower 1 FTHB | the1003Page | XXX | XXX | B1 is XXX a XXX. B2 is XXX. |
| 500000031 |  |  | XXX | Borrower 2 Qualifying Income | employmentIncomePage | $XXX | $XXX | Per income documents. |
| 500000031 |  |  | XXX | All Other Payments | creditLiabilitiesPage | $XXX | $XXX | Per credit report. |
| 500000031 |  |  | XXX | Cash to Close | finalCdDetailPage | $XXX | $XXX | Per final closing disclosure. |
| 500000031 |  |  | XXX | Total Qualified Assets Post-Close | assetPage | $XXX | $XXX | Per asset documents. |
| 500000031 |  |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The lender calculated a higher income for B1. As a result, the recalculated DTI of XXX% is higher than qualifying DTI of XXX%. The variance is within tolerance. |
| 500000117 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal confirms value; tape value is sales price. |
| 500000117 | XXXXX |  | XXX | Borrower 2 First Name | notePage | XXX | XXX | The Note confirms that B2's first name is XXX. |
| 500000117 | XXXXX |  | XXX | Borrower 3 First Name | notePage | XXX | XXX | The Note confirms that B#'s first name is XXX. |
| 500000117 | XXXXX |  | XXX | Borrower 2 Last Name | notePage | XXXXX | XXXXX | Note confirms that B2's last name is XXXXX. |
| 500000117 | XXXXX |  | XXX | Borrower 3 Last Name | notePage | XXXXX | XXXXX | The Note confirms that B3's last name is XXXXX. |
| 500000117 | XXXXX |  | XXX | Borrower 3 SSN | the1003Page | XXX | XXX | Final 1003s for B2 & B3 confirm that Tape data has transposed their SS #s. |
| 500000117 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Final 1003s for B2 & B3 confirm that Tape data has transposed their SS #s. |
| 500000117 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | The audit DTI matches the 1008 and AUS. |
| 500000132 | XXXXX |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Borrower is buying subject thru Lease with Option. Final CD <br> confirms XXX not XXX. |
| 500000132 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV and CLTV of XXX% match lender calculation and AUS. |
| 500000132 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit LTV and CLTV of XXX% match lender calculation and AUS. |
| 500000004 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit of loan amount and value confirms LTV/CLTV of XXX% vs tape reflects DU value based on incorrect loan amount. |
| 500000004 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit of loan amount and value confirms LTV/CLTV of XXX% vs tape reflects DU value based on incorrect loan amount. |
| 500000004 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% matches the lender calculation. |
| 500000004 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | FCD and 1008 confirm XXX. |
| 500000006 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | Audit DTI of XXX% less than lender DTI of XXX% due to non mortgage debt payments from credit supplement. |
| 500000116 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | DTI verified with new updated credit report with lower debts. |
| 500000130 | XXXXX |  | XXX | Originator DTI | rwtGet1Page | XXX | XXX | DTI matches the 1008 and AUS. |
| 500000130 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | $XXX | $XXX | Final CD confirms cash-out. |
| 500000118 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | $XXX | $XXX | Cash out of $XXX<br> consists of cash in hand + payoff of consumer debts. |
| 500000109 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX |
| 500000002 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The subject property is valued at $XXX per the appraisal. True data represents the sales price. |
| 500000002 | XXXXX |  | XXX | Sales Price | propertyValuationPage | $XXX | $XXX | Audited data is the sales price. True data is the property value. |
| 500000002 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The subject property is a XXX per the appraisal and property reports. |
| 500000107 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | $XXX | $XXX | Per final CD, cash to borrower was $XXX |
| 500000003 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report and final 1008, qualifying credit score was XXX. |
| 500000112 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | $XXX | $XXX | Per final CD, cash to borrower was $XXX |

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