# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001213900-25-103516
**Filing Date:** 2025-10
**Character Count:** 3507375
**Document Hash:** 3ea6cfba9454eedb35937e73a0cbeab1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-103516.hdr.sgml**: 20251029

**ACCESSION NUMBER**: 0001213900-25-103516

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

**PUBLIC DOCUMENT COUNT**: 73

**CONFORMED PERIOD OF REPORT**: 20251029

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

**FILED AS OF DATE**: 20251029

**DATE AS OF CHANGE**: 20251029

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 251430584

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

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

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

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

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

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

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

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

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

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

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

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

OMB Number: 3235-0675

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

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

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 filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

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

Deephaven Residential Mortgage Trust 2025-CES1

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

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

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

Sanyogita Lakhera (212) 526-4149

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

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

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

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 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.

---

| | | |
|:---|:---|:---|
|  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: October 29, 2025 | By: | /s/ Sanyogita Lakhera |
|  | Name: | Sanyogita Lakhera |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – Canopy Narrative](ea026158701_ex99-1.htm)

[Schedule 1 – Data Compare](ea026158701_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Detail](ea026158701_ex99-1sch2.htm)

[Schedule 3 – Rating Agency Grades Summary](ea026158701_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea026158701_ex99-1sch4.htm)

[Schedule 5 – ATR QM Report](ea026158701_ex99-1sch5.htm)

[Schedule 6 – Business Purpose Supplemental Extract](ea026158701_ex99-1sch6.htm)

[99.2 - Third Party Due Diligence Report – Clayton Narrative](ea026158701_ex99-2.htm)

[Schedule 1 – Loan Level Tape Compare](ea026158701_ex99-2sch1.htm)

[Schedule 2 – Conditions Report](ea026158701_ex99-2sch2.htm)

[Schedule 3 – Laon Grade Report](ea026158701_ex99-2sch3.htm)

[Schedule 4 – Valuation Report](ea026158701_ex99-2sch4.htm)

[Schedule 5 – Non ATR QM Report](ea026158701_ex99-2sch5.htm)

[Schedule 6 – Rating Agency ATR QM Report](ea026158701_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Clarifii Narrative](ea026158701_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea026158701_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea026158701_ex99-3sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea026158701_ex99-3sch3.htm)

[Schedule 4 – Rating Agency Grades Summary](ea026158701_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea026158701_ex99-3sch5.htm)

[Schedule 6 – Business Purpose Supplemental Extract](ea026158701_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – Covius Narrative](ea026158701_ex99-4.htm)

[Schedule 1 – Tape Compare](ea026158701_ex99-4sch1.htm)

[Schedule 2 – Grades Report](ea026158701_ex99-4sch2.htm)

[Schedule 3 – Exceptions Report](ea026158701_ex99-4sch3.htm)

[Schedule 4 – Valuation Report](ea026158701_ex99-4sch4.htm)

[Schedule 5 – Business Purpose Supplement](ea026158701_ex99-4sch5.htm)

[Schedule 6 – ATR QM Report](ea026158701_ex99-4sch6.htm)

[99.5 - Third Party Due Diligence Report – Digital Risk Narrative](ea026158701_ex99-5.htm)

[Schedule 1 – Finding Report](ea026158701_ex99-5sch1.htm)

[Schedule 2 – Rating Agency Report](ea026158701_ex99-5sch2.htm)

[Schedule 3 – DI Report](ea026158701_ex99-5sch3.htm)

[Schedule 4 – Valuation Report](ea026158701_ex99-5sch4.htm)

[99.6 - Third Party Due Diligence Report – Mission Global Narrative](ea026158701_ex99-6.htm)

[Schedule 1 – Data Compare](ea026158701_ex99-6sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea026158701_ex99-6sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea026158701_ex99-6sch3.htm)

[Schedule 4 – Valuation Report](ea026158701_ex99-6sch4.htm)

[Schedule 5 – Business Purpose Supplemental Extract](ea026158701_ex99-6sch5.htm)

[99.7 - Third Party Due Diligence Report – Selene Narrative](ea026158701_ex99-7.htm)

[Schedule 1 – Data Compare](ea026158701_ex99-7sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea026158701_ex99-7sch2.htm)

[Schedule 3 – Standard Findings](ea026158701_ex99-7sch3.htm)

[Schedule 4 – Valuation Report](ea026158701_ex99-7sch4.htm)

[Schedule 5 – Business Purpose Supplemental Extract](ea026158701_ex99-7sch5.htm)

[99.8 - Third Party Due Diligence Report – AMC Narrative](ea026158701_ex99-8.htm)

[Schedule 1 – Rating Agency Grades](ea026158701_ex99-8sch1.htm)

[Schedule 2 – Exception Grades](ea026158701_ex99-8sch2.htm)

[Schedule 3 – Valuation Summary](ea026158701_ex99-8sch3.htm)

[Schedule 4 – Business Purpose Report](ea026158701_ex99-8sch4.htm)

[Schedule 5 – Data Compare Summary](ea026158701_ex99-8sch5.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**NARRATIVE**

**DRMT 2025-CES1**

**By Canopy Financial Technology Partners LLC on October 9, 2025**

Canopy Financial Technology Partners LLC

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

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

![](ex99-1_001.jpg)

**Description of Services**

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

The Review consisted of a population of forty-one (41) Loans with an aggregate principal balance of $11,137,614.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |

---

![](ex99-1_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| Qualifying Total Debt Income Ratio (if applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

![](ex99-1_001.jpg)

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

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

· Borrower(s) employment history;

· Citizenship and eligibility;

· First time home buyer status;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters; and/or

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

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

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

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

![](ex99-1_001.jpg)

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

![](ex99-1_001.jpg)

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD); and

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

**Business Purpose Validation (when applicable)**

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

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

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

![](ex99-1_001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

![](ex99-1_001.jpg)

**I.** **Compliance Documentation Requirements** 

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable); 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;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure.

**II.** **Anti-Predatory Lending (Assignee Liability)** 

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

**III.** **Compliance Testing Elements** 

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

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

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

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex99-1_001.jpg)

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

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

![](ex99-1_001.jpg)

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

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

 **

***Ability to Repay (ATR)***

 **

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

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

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

**VALUATION REVIEW**

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

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

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

![](ex99-1_001.jpg)

***Independent third-party values***

 ****

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

![](ex99-1_001.jpg)

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

---

![](ex99-1_001.jpg)

**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.

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 24.39% (10 Loans) have an overall grade of "B" and 75.61% (31 Loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 19.51%, or eight (8) loans reviewed, and 80.49% (33 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 4.88%, or two (2) loans reviewed, and 95.12% (39 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 4.88%, or two (2) loans reviewed, 53.66% (22 loans) have a Property/Valuation grade of "A", and 41.46% (17 loans) have a Property/Valuation grade of "NA".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;75.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;24.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**41** | &nbsp;&nbsp;**100.00%** |

---

![](ex99-1_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;80.49% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;19.51% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;4**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;95.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;4**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;53.66% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;17 | &nbsp;&nbsp;41.46% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**41** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11137614.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;4**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11137614.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11137614.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**41** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11137614.00** |

---

![](ex99-1_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;5 | &nbsp;&nbsp;12.20% | &nbsp;&nbsp;$1401300.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;34 | &nbsp;&nbsp;82.93% | &nbsp;&nbsp;$9294629.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.88% | &nbsp;&nbsp;$441685.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**41** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11137614.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$312460.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;$550000.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;39 | &nbsp;&nbsp;95.12% | &nbsp;&nbsp;$10275154.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**41** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11137614.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;36 | &nbsp;&nbsp;87.80% | &nbsp;&nbsp;$9942863.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;5 | &nbsp;&nbsp;12.20% | &nbsp;&nbsp;$1194751.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**41** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11137614.00** |

---

![](ex99-1_001.jpg)

**DATA COMPARISON RESULTS**

Of the forty-one (41) Loan files reviewed, eight (8) unique loans (19.51% by number) had nine (9) tape comparison discrepancies across seven (7) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;B1 Credit Report Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;41 | &nbsp;&nbsp;4.88% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;41 | &nbsp;&nbsp;4.88% |

---

![](ex99-1_001.jpg)

**Disclaimer**

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

 

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

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

 

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

 

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

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 607403 |  |  | B1 Credit Report Date | xxx | xxx |  |
| 336608 |  |  | Escrow Flag | No | Yes |  |
| 214910 |  |  | Escrow Flag | No | Yes |  |
| 592483 |  |  | Number of Mortgaged Properties | xxx | xxx |  |
| 172472 |  |  | Property Type | xxx | xxx |  |
| 172472 |  |  | Qualifying FICO | xxx | xxx |  |
| 372403 |  |  | Qualifying LTV | xxx | xxx | xxx |
| 395101 |  |  | Qualifying Total Debt Income Ratio | xxx | xxx | xxx |
| 276052 |  |  | Qualifying Total Debt Income Ratio | xxx | xxx |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 395101 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 571550 | XX | C B A | A | A | Closed | FCOM5814 | 2025-01-23 15:42 | 2025-02-11 08:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/10/2025 <br>Open-Page 4 Escrow Waiving errors: • Final Closing Disclosure Page 4 escrow indicator failed to indicate "borrower declined" or Lender does not offer". - Due Diligence Vendor-01/23/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 22 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 10.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.47% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.72 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.33 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3270816 |
| 571550 | XX | C B A | A | A | Closed | FCRE1440 | 2025-01-22 06:58 | 2025-01-22 06:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Requesting exception to allow for less than 24 month payment history<br> being documented. Borrower inherited property and has only made last 8 months mortgage<br> payments. Mortgage not in her name - Due Diligence Vendor-01/22/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Requesting exception to allow for less than 24 month payment history<br> being documented. Borrower inherited property and has only made last 8 months mortgage<br> payments. Mortgage not in her name - Due Diligence Vendor-01/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 22 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 10.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.47% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.72 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.33 Years | 68% LTV (max 80%), >$6k residual income, >60 months reserves.<br>FICO 737 versus required 680<br>Low CLTV below 67%<br>All credit paid as agreed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3251303 |
| 204664 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 607403 | XX | C A | N/A | N/A | Closed | FCOM5814 | 2025-01-23 16:03 | 2025-02-11 08:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/10/2025 <br>Open-\*\*\*\*\*\*Page 4 Escrow Waiving errors: • Final Closing Disclosure Page 4 escrow indicator failed to indicate "borrower declined" or Lender does not offer". - Due Diligence Vendor-01/23/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.04 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.04 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3271014 |
| 537660 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 590282 | XX | C B A | A | A | Closed | FCRE1437 | 2025-01-25 10:05 | 2025-02-13 10:33 | Waived | 2 - Non-Material C B | Credit | Income | Income and Employment Do Not Meet Guidelines | Acknowledged-Income and Employment Do Not Meet Guidelines Exception to allow less than 2 years of self employment on current job. Borrower had previous self employment with the same line of work. The previous business XXXX was sold and borrower had opened a new business under XXXX - Due Diligence Vendor-01/25/2025 |  | Acknowledged-Income and Employment Do Not Meet Guidelines Exception to allow less than 2 years of self employment on current job. Borrower had previous self employment with the same line of work. The previous business Carrillo & Son Transport Inc was sold and borrower had opened a new business under Lazmar Corp. - Due Diligence Vendor-01/25/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 | FICO 730, Mortgage paid AA for 24 months, DTI is below 35%, $9,000+ in residual income. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3282191 |
| 213434 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 372403 | XX | D B C | N/A | N/A | Closed | FCRE1195 | 2025-02-03 09:45 | 2025-03-19 13:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Applicable matrix guidance provided, loan adheres to 1/21/2025 loan matrix. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. 80% for primary residence Ready for Review-Document Uploaded. 80% for primary residence Resolved-Applicable matrix guidance provided, loan adheres to 1/21/2025 loan matrix. - Due Diligence Vendor-03/19/2025<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More XX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors XX XX Primary Residence Refinance Cash Out - Other N/A N/A 3334659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 372403 | XX | D B C | N/A | N/A | Closed | FPRO1244 | 2025-02-21 09:30 | 2025-03-18 11:22 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Waived-Originator exception provided to waive AVM confidence score variance. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/18/2025 <br> Open-AVM does not meet the Guideline requirement - Confidence score of 88% or the FSD of 0.12 - Guides require =>90% & <0.10 FSD - Guides state: If the AVM does not provide the required FSD score or confidence rating, the AVM is considered ineligible and an Exterior-Only or Full Interior Appraisal is required - File contains a xx Exterior PCI however no value was provided. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Waived-Originator exception provided to waive AVM confidence score variance. - Due Diligence Vendor-03/18/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 0x30x12 mortgage history; CLTV 5% below guideline max; low DTI; all credit paid as agreed >24 months | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3460374 |
| 372403 | XX | D B C | N/A | N/A | Closed | finding-3532 | 2025-01-30 16:10 | 2025-02-25 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Please find signed CD dated 1/17/25. - Buyer-02/24/2025 <br>Open-\*\*\* Evidence of the Initial CD delivery date, sent 1/17/2025, not in the original file and is required to be received by the consumer 3 business days prior to consummation. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/03/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/25/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3321297 |
| 372403 | XX | D B C | N/A | N/A | Closed | FCRE1304 | 2025-02-21 09:49 | 2025-02-21 09:52 | Waived | 2 - Non-Material C B | Credit | Income | Income 1 Income Trend is Decreasing | Waived-Approved Lender Exception: : Exception approved to consider income stable despite 28% decline in most recent 6 mo vs 25% allowed by guides. While income has declined, it has "leveled off" in the $300K+ monthly deposits range and using only the worst case months still yields sufficient income to be at < 20% DTI, > $100K residual. - Due Diligence Vendor-02/21/2025 |  | Waived-Approved Lender Exception: : Exception approved to consider income stable despite 28% decline in most recent 6 mo vs 25% allowed by guides. While income has declined, it has "leveled off" in the $300K+ monthly deposits range and using only the worst case months still yields sufficient income to be at < 20% DTI, > $100K residual. - Due Diligence Vendor-02/21/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI<20%<br> Mortgage paid as agreed since 4/2021<br> Bwr to net over 12 mo reserves from loan proceeds |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3460574 |
| 374474 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 216292 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 457886 | XX | D A | N/A | N/A | Closed | FVAL8946 | 2025-01-30 16:01 | 2025-02-07 08:53 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal | Resolved-Per Guidelines: Loan <$400K exterior only is allowed. - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/06/2025 <br>Counter-Document Uploaded. Per Guidelines: For loan amounts ≤ $400,000, one of: AVM from an approved provider with acceptable FSD; Drive-by appraisal (Fannie Mae Form 2055 or 1075); or Full interior appraisal (Fannie Mae Form 1004, 1073 or 1025) and AVM Requirements: Confidence rating >= 90%. Forecast standard deviation score <= 0.10 from approved vendors Approved vendors: "xx" - Acceptable for SFR, PUDs and 2-4 Units<br> - Due Diligence Vendor-02/05/2025 <br>Ready for Review-Document Uploaded. Please find attached, thank you - Buyer-02/04/2025 <br>Open-Clear AVM is missing from the file. Per page 1362 and the final closing disclosure an AVM was completed however; a copy was not located in the file. - Due Diligence Vendor-01/30/2025 |  | Resolved-Per Guidelines: Loan <$400K exterior only is allowed. - Due Diligence Vendor-02/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3321204 |
| 389106 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 335220 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 645283 | XX | D A | D | A | Closed | FCOM5814 | 2025-02-03 16:48 | 2025-02-27 09:53 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Please see the attached PCCD LOE and proof of delivery, which corrects page 4. Along with the escrow waiver, we should now be able to clear this finding. - Buyer-02/26/2025 <br>Counter-The escrow waiver may or may not be provided in a closed end second loan. That document is subject to individual lenders package and guides. The fully completed page 4 of the Final Closing Disclosure, showing escrows waived and either "borrower declined" or Lender does not offer" is the compliance requirement for waived escrows (1st or 2nd loan types). Thank you - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. This is a HELOC, the escrows are always collected on the first mortgage. Please retract this finding. Also provided Escrow waiver signed that outlines this acknowledgement as well. - Buyer-02/21/2025 <br>Open-• Final Closing Disclosure Page 4 escrow indicator failed to indicate "borrower declined" or Lender does not offer". - Due Diligence Vendor-02/03/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/27/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.76 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3340803 |
| 645283 | XX | D A | D | A | Closed | FPRO4876 | 2025-02-03 10:03 | 2025-02-06 11:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per Deephaven directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. Please see attached PDI - Buyer-02/05/2025 <br>Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/03/2025 |  | Resolved-Per Deephaven directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/06/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.76 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3334839 |
| 214341 | XX | D A | N/A | N/A | Closed | FPRO4876 | 2025-02-04 08:08 | 2025-02-07 12:42 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per Deephaven directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. PLease see attache - Buyer-02/06/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property county is XXXX and PDI report is missing in file. Required PDI report in file. - Due Diligence Vendor-02/04/2025 |  | Resolved-Per Deephaven directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3343829 |
| 443578 | XX | D B A | A | A | Closed | FCRE1503 | 2025-02-04 11:26 | 2025-02-25 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD dated 11.15.2024 for xx provided showing Newly closed with a PITIA $1016.09 - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. Please see the attached final cd from this closing - Buyer-02/25/2025 <br> Open-Investment Property XXXX mortgage statement missing in loan file. - Due Diligence Vendor-02/04/2025 |  | Resolved-Final CD dated 11.xx.2024 for xx provided showing Newly closed with a PITIA $1016.09 - Due Diligence Vendor-02/25/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3346093 |
| 443578 | XX | D B A | A | A | Closed | FCRE1195 | 2025-02-05 11:18 | 2025-02-25 12:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Exception for LTV 80% vs 75% max for loan amount > $350K approved by capital markets and SVP of UW. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Please see the attached exception - Buyer-02/25/2025 <br>Open-Audited CLTV of 80.19% exceeds Guideline CLTV of 65% Per guidelines max CLTV is 65%. - Due Diligence Vendor-02/05/2025 |  | Waived-Approved Lender Exception: Exception for LTV 80% vs 75% max for loan amount > $350K approved by capital markets and SVP of UW. - Due Diligence Vendor-02/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | LTV < 30% <br> > $60K residual <br> > 12 mo reserves from loan proceeds | XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3355836 |
| 278363 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 497091 | XX | D A | N/A | N/A | Closed | FPRO4876 | 2025-02-05 08:10 | 2025-02-14 11:32 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per Deephaven directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. Please find attached the PDI completed on 01/18/2025. Kindly clear this finding - Buyer-02/14/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Declared Disaster XXXX Incident Period: January 7, 2025 - and continuing<br> Fire Management Assistance Declaration declared on January xx, 2025, Appraisal was completed 01/03/25. - Due Diligence Vendor-02/05/2025 |  | Resolved-Per Deephaven directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/14/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.98 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3353442 |
| 459006 | XX | D A | N/A | N/A | Closed | FCRE8639 | 2025-02-05 07:23 | 2025-02-25 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. The borrower signed the note as an individual on this loan, so this is not required. It is only required if the borrower signed solely as a member on the original note. - Buyer-02/25/2025 <br>Open-Personal Guaranty is missing. Personal Guaranty is missing in loan file. - Due Diligence Vendor-02/05/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 21.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.38<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.52 Years |  | XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3353188 |
| 543554 | XX | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 375932 | XX | D A | N/A | N/A | Closed | FCRE2109 | 2025-02-07 07:59 | 2025-02-26 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. The 1008 reflects the base and commission income used to qualify. - Buyer-02/26/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing lender worksheet of wage income base pay and commisson pay. - Due Diligence Vendor-02/07/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.55 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 3373504 |
| 276052 | XX | B A | B | B | Closed | FVAL9739 | 2025-04-02 10:20 | 2025-04-04 17:04 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-EXCEPTION APPROVAL REQUIRED FOR NOT MEETING MINIMUM SQUARE FOOTAGE REQUIREMENT OF 750 SQ. FT. - Due Diligence Vendor-04/02/2025 |  | Waived-EXCEPTION APPROVAL REQUIRED FOR NOT MEETING MINIMUM SQUARE FOOTAGE REQUIREMENT OF 750 SQ. FT. - Due Diligence Vendor-04/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.08% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.51% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.90 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. DTI is only 13.808%. <br> 2. Residual Income is $56,642.40 <br> 3. CLTV is only 69.506%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 3751049 |
| 336608 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 246614 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 214910 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 457550 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 630776 | XX | B A | A | A | Closed | FCRE1004 | 2025-05-07 08:04 | 2025-05-12 10:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. 48 months seasoning requirement was not met for the 2nd lien on the subject property from the private lender XXXX. Loan matured <br> on 04/15/2025. Extension provided thru 04/30/2025 - Due Diligence Vendor-05/07/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. 48 months seasoning requirement was not met for the 2nd lien on the subject property from the private lender Equity Trust. Loan matured <br> on 04/15/2025. Extension provided thru 04/30/2025 - Due Diligence Vendor-05/07/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years | Debt ratio is less than 43% <br> Residual income of at least $2500 <br> Borrower has additional assets from a retirement account that can cover at least 3 months of additional reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4066929 |
| 630776 | XX | B A | A | A | Closed | FCRE1197 | 2025-05-07 08:02 | 2025-05-12 10:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Current FICO score of 666 does not meet required score of 720 for Florida properties - Due Diligence Vendor-05/07/2025 |  | Waived-Current FICO score of 666 does not meet required score of 720 for Florida properties - Due Diligence Vendor-05/07/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years | Debt ratio is less than 43% <br> Residual income of at least $2500 <br> Borrower has additional assets from a retirement account that can cover at least 3 months of additional reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4066912 |
| 630776 | XX | B A | A | A | Closed | FCRE2515 | 2025-05-12 10:38 | 2025-05-12 10:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Lender exception to allow 12 overdrafts in past year - Due Diligence Vendor-05/12/2025 |  | Waived-Lender exception to allow 12 overdrafts in past year - Due Diligence Vendor-05/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years | Debt ratio is less than 43% <br> Residual income of at least $2500 <br> Borrower has additional assets from a retirement account that can cover at least 3 months of additional reserves<br> Borrower LOE in file that currently has signed up for overdraft protection. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 4112844 |
| 183608 | XX | B A | A | A | Closed | FCRE8611 | 2025-05-13 12:15 | 2025-05-13 12:15 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Exception approval to allow to extend the expiration date for income documentation up to closing date of 05/08/2025. Income documentation expired last 04/29/2025. - Due Diligence Vendor-05/13/2025 |  | Waived-Exception approval to allow to extend the expiration date for income documentation up to closing date of 05/08/2025. Income documentation expired last 04/29/2025. - Due Diligence Vendor-05/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.51 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.29% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Payment shock less than 128.780%<br> • Debt ratio of 36.937%<br> • Borrower exceeds minimum credit score requirement by 93 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4128430 |
| 183608 | XX | B A | A | A | Closed | FCRE1200 | 2025-05-13 12:14 | 2025-05-13 12:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception to allow a loan amount of $XX. Per guidelines minimum loan amount requirement is $150,000.<br> - Due Diligence Vendor-05/13/2025 |  | Waived-Exception to allow a loan amount of XX. Per guidelines minimum loan amount requirement is $150,000.<br> - Due Diligence Vendor-05/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.51 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.29% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Payment shock less than 128.780%<br> • Debt ratio of 36.937%<br> • Borrower exceeds minimum credit score requirement by 93 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4128416 |
| 595048 | XX | B | B | B | Closed | FCRE1764 | 2025-05-15 11:47 | 2025-05-20 13:36 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Mortgage | Waived-Senior lien is not reported on the credit report. Use VOM's for mortgage ratings on all REO's - Due Diligence Vendor-05/15/2025 |  | Waived-Senior lien is not reported on the credit report. Use VOM's for mortgage ratings on all REO's - Due Diligence Vendor-05/15/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.93 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.98% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Reserves exceed minimum required by at least 3 months <br> Not income producing <br> Property conforms with neighborhood <br> No Physical deficiencies or adverse conditions |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4151337 |
| 595048 | XX | B | B | B | Closed | FVAL9739 | 2025-05-15 11:47 | 2025-05-20 13:36 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception to use 2 ADU to include in the appraised value. FNMA guide only allows 1 ADU - Due Diligence Vendor-05/15/2025 |  | Waived-Exception to use 2 ADU to include in the appraised value. FNMA guide only allows 1 ADU - Due Diligence Vendor-05/15/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.93 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.98% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Reserves exceed minimum required by at least 3 months <br> Not income producing <br> Property conforms with neighborhood <br> No Physical deficiencies or adverse conditions |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4151345 |
| 653430 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 131192 | XX | D A | A | A | Closed | FCRE1347 | 2025-06-09 11:07 | 2025-06-11 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. VOE attached - Buyer-06/09/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/09/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.02% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.75 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4380265 |
| 535396 | XX | C B A | A | A | Closed | finding-3632 | 2025-06-13 18:33 | 2025-06-25 10:22 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of signed refund check, has been provided - Due Diligence Vendor-06/25/2025 <br> Open-The processing fee have been increased resulting in a 0% tolerance cure in the amount of $304. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $304 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/16/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/13/2025 |  | Resolved-Curative PCCD, LOE, copy of signed refund check, has been provided - Due Diligence Vendor-06/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.90 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 41.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.37% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4447346 |
| 535396 | XX | C B A | A | A | Closed | finding-3634 | 2025-06-13 18:33 | 2025-06-25 10:22 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of signed refund check, has been provided - Due Diligence Vendor-06/25/2025 <br>Open-The processing fee have been increased resulting in a 0% tolerance cure in the amount of $304. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $304 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/16/2025 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $304.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/13/2025 |  | Cured-Curative PCCD, LOE, copy of signed refund check, has been provided - Due Diligence Vendor-06/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.90 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 41.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.37% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4447347 |
| 535396 | XX | C B A | A | A | Closed | finding-3631 | 2025-06-13 18:33 | 2025-06-25 10:22 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of signed refund check, has been provided - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. This has been mailed however our shipping department neglected to update the tracking number. - Seller-06/24/2025 <br>Open-The processing fee have been increased resulting in a 0% tolerance cure in the amount of $304. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $304 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/16/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. This has been mailed however our shipping department neglected to update the tracking number. - Seller-06/24/2025<br>| Cured-Curative PCCD, LOE, copy of signed refund check, has been provided - Due Diligence Vendor-06/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.90 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 41.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.37% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4447345 |
| 535396 | XX | C B A | A | A | Closed | FCRE8201 | 2025-06-13 10:47 | 2025-06-15 13:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception approved for Borrower & Brother own 50% each of BSN, with guidelines that require 51% ownership of BSN. - Due Diligence Vendor-06/13/2025 |  | Waived-Exception approved for Borrower & Brother own 50% each of BSN, with guidelines that require 51% ownership of BSN. - Due Diligence Vendor-06/13/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.90 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 41.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.37% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 | ALL CONSUMER CREDIT PAID AS AGREED IN THE MOST RECENT 12 MONTHS; CREDIT UTILIZATION LESS THAN 30%. LOW HOUSING RATIO AND DEBT RATIO. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 4439837 |
| 535396 | XX | C B A | A | A | Closed | FCRE1195 | 2025-06-13 10:17 | 2025-06-13 10:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 77.36% exceeds Guideline CLTV of 65% CLTV OF 77.794 EXCEEDS THE MAX OF 65% CLTV FOR $650K LOAN AMOUNT - Due Diligence Vendor-06/13/2025 |  | Waived-Audited CLTV of 77.36% exceeds Guideline CLTV of 65% CLTV OF 77.794 EXCEEDS THE MAX OF 65% CLTV FOR $650K LOAN AMOUNT - Due Diligence Vendor-06/13/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.90 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 41.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.37% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 | ALL CONSUMER CREDIT PAID AS AGREED IN THE MOST RECENT 12 MONTHS; CREDIT UTILIZATION LESS THAN 30% , LOW HOUSING RATIO AND DEBT RATIO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4439263 |
| 535396 | XX | C B A | A | A | Closed | FCRE1196 | 2025-06-13 10:17 | 2025-06-13 10:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 77.36% exceeds Guideline HCLTV of 65% CLTV OF 77.794 EXCEEDS THE MAX OF 65% CLTV FOR $650K LOAN AMOUNT - Due Diligence Vendor-06/13/2025 |  | Waived-Audited HCLTV of 77.36% exceeds Guideline HCLTV of 65% CLTV OF 77.794 EXCEEDS THE MAX OF 65% CLTV FOR $650K LOAN AMOUNT - Due Diligence Vendor-06/13/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 41.90 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 41.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.37% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 | ALL CONSUMER CREDIT PAID AS AGREED IN THE MOST RECENT 12 MONTHS; CREDIT UTILIZATION LESS THAN 30% , LOW HOUSING RATIO AND DEBT RATIO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4439268 |
| 410599 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 163143 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 592483 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 505407 | XX | C B A | A | A | Closed | finding-3532 | 2025-06-27 11:16 | 2025-07-16 11:17 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Counter-For the purposes of determining good faith, the recording charge for a Mortgage is not new information to a transaction and adding/increasing the charge is outside the scope of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv) 10% tolerance cure in the amount of $127.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/09/2025 <br>Counter-ICD received, data entered, Compliance report generated, resulting in additional compliance findings. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Recording charge disclosed in the initial loan estimate of $225.00 Increased to $375.00. There is no correlating event evident (new Vesting deed, POA, etc) to ratify the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of $127.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br>Resolved- - Due Diligence Vendor-07/03/2025 <br>Resolved- - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Counter-Documentation provided does not include the Initial Closing Disclosure and proof of delivery not less than 3 days prior to consummaiton. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-\*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(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 six 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 three 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 three 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 §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.61 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.27% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.97 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.97 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.05 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4586279 |
| 505407 | XX | C B A | A | A | Closed | finding-3631 | 2025-06-27 11:16 | 2025-07-16 11:16 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-07/16/2025 <br>Counter-Curative PCCD provided. However the accompanying LOE, copy of refund check and proof of mailing, has not been provided - Due Diligence Vendor-07/15/2025 <br>Ready for Review- - Due Diligence Vendor-07/15/2025 <br>Resolved- - Due Diligence Vendor-07/15/2025 <br>Open- - Due Diligence Vendor-07/15/2025 <br>Counter-For the purposes of determining good faith, the recording charge for a Mortgage is not new information to a transaction and adding/increasing the charge is outside the scope of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv) 10% tolerance cure in the amount of $127.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Only the CA SB2 recording fee was disclosed of 225.00. There was no recording fee for our mortgage , hence the coc for the change of circumstances to add the 127.50 recording fee's. To add the recording fee's for our mortgage to be recorded is valid - Seller-07/08/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Recording charge disclosed in the initial loan estimate of $225.00 Increased to $375.00. There is no correlating event evident (new Vesting deed, POA, etc) to ratify the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of $127.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open-\*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 | Ready for Review-Only the CA SB2 recording fee was disclosed of 225.00. There was no recording fee for our mortgage , hence the coc for the change of circumstances to add the 127.50 recording fee's. To add the recording fee's for our mortgage to be recorded is valid - Seller-07/08/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.61 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.27% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.97 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.97 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.05 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4586281 |
| 505407 | XX | C B A | A | A | Closed | finding-3635 | 2025-06-27 11:16 | 2025-07-16 11:16 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Counter-Curative PCCD provided. However the accompanying LOE, copy of refund check and proof of mailing, has not been provided - Due Diligence Vendor-07/15/2025 <br>Resolved- - Due Diligence Vendor-07/15/2025 <br>Open- - Due Diligence Vendor-07/15/2025 <br>Counter-For the purposes of determining good faith, the recording charge for a Mortgage is not new information to a transaction and adding/increasing the charge is outside the scope of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv) 10% tolerance cure in the amount of $127.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/09/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Recording charge disclosed in the initial loan estimate of $225.00 Increased to $375.00. There is no correlating event evident (new Vesting deed, POA, etc) to ratify the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of $127.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open-\*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($375.00) exceed the comparable charges ($225.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-07/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.61 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.27% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.97 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.97 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.05 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4586283 |
| 505407 | XX | C B A | A | A | Closed | finding-3632 | 2025-06-27 11:16 | 2025-07-15 07:20 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-07/15/2025 <br>Resolved- - Due Diligence Vendor-07/15/2025 <br>Open- - Due Diligence Vendor-07/15/2025 <br>Counter-For the purposes of determining good faith, the recording charge for a Mortgage is not new information to a transaction and adding/increasing the charge is outside the scope of a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv) 10% tolerance cure in the amount of $127.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Only the CA SB2 recording fee was disclosed of 225.00. There was no recording fee for our mortgage , hence the coc for the change of circumstances to add the 127.50 recording fee's. To add the recording fee's for our mortgage to be recorded is valid - Seller-07/08/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*\*\*ICD received, data entered, Compliance report generated, resulting in additional compliance findings. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Recording charge disclosed in the initial loan estimate of $225.00 Increased to $375.00. There is no correlating event evident (new Vesting deed, POA, etc) to ratify the increase is a true and valid change of circumstance. 10% tolerance cure in the amount of $127.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open- - Due Diligence Vendor-07/03/2025 <br>Open-\*\*Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-06/27/2025 <br>Open- - Due Diligence Vendor-06/27/2025 | Ready for Review-Only the CA SB2 recording fee was disclosed of 225.00. There was no recording fee for our mortgage , hence the coc for the change of circumstances to add the 127.50 recording fee's. To add the recording fee's for our mortgage to be recorded is valid - Seller-07/08/2025<br>| Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-07/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.61 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.27% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.97 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.97 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.05 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4586282 |
| 427054 | XX | C A | A | A | Closed | FCRE7000 | 2025-07-11 16:59 | 2025-07-23 09:43 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. bank statements updated - Buyer-07/22/2025 <br>Counter-The Condition is stating that the CTC (borrower is to bring money to closing) per the Final CD is $8,440.80 and File only contains verified assets of $1,301.85. making the Loan short to close by $7,138.95. - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. per guidelines only need to verify on purchase not on 2nd cashout refi - Buyer-07/14/2025 <br>Open-Total Liquid Assets Available for Close of $1301.85 is less than Total Cash to Close $8440.8. . At the time of review, Business Checking with Wells Fargo #8951 with a balance of $1,190.55 and Personal Checking with Wells Fargo #5155 with a balance of $111.30 was provided for a total of $1,301.55 and loan is short $7,138.95 evidence cash to close. - Due Diligence Vendor-07/11/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.71% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.41 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4793111 |
| 427054 | XX | C A | A | A | Closed | finding-3631 | 2025-07-14 06:47 | 2025-07-15 12:01 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025 <br>Resolved- - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 <br>Open-\*\*\*\* Findings in relation to \*\*\* Evidence of the Revised CD delivery date, sent 6/30/2025, not in the original file and is required to be received by the consumer 3 business days prior to consummation. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.71% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.41 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4800444 |
| 427054 | XX | C A | A | A | Closed | finding-3632 | 2025-07-14 06:47 | 2025-07-15 12:01 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025 <br>Resolved- - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 <br>Open-\*\*\*\* Findings in relation to \*\*\* Evidence of the Revised CD delivery date, sent 6/30/2025, not in the original file and is required to be received by the consumer 3 business days prior to consummation. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.71% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.41 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4800445 |
| 427054 | XX | C A | A | A | Closed | finding-3540 | 2025-07-14 11:10 | 2025-07-15 12:01 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025 <br>Resolved- - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/14/2025 <br>Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three 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 closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.71% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.41 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4804659 |
| 427054 | XX | C A | A | A | Closed | finding-3634 | 2025-07-14 11:10 | 2025-07-15 12:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025 <br> Resolved- - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. please provide your Test for fee comparison... I have attached the tracking initial cd was 6/12. final cd was 7/1 and shows the lender credit for tolerance cure recording fee in lender column. also provided COC and CD dated 6/xx. CD dated 6/xx was received by borrowers and viewed on 6/30. - Buyer-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $570.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\* Findings in relation to \*\*\* Evidence of the Revised CD delivery date, sent 6/30/2025, not in the original file and is required to be received by the consumer 3 business days prior to consummation. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.71% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.41 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4804661 |
| 427054 | XX | C A | A | A | Closed | finding-3652 | 2025-07-14 11:10 | 2025-07-15 12:01 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025 <br> Resolved- - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. - Seller-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 <br> Open-\*\*\*\* Findings in relation to \*\*\* Evidence of the Revised CD delivery date, sent 6/xx/2025, not in the original file and is required to be received by the consumer 3 business days prior to consummation. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-07/14/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($117.20) does not exceed or equal the comparable sum of specific and non-specific lender credits ($325.50). 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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025<br>| Resolved-\*\*\*Received tracking information. - Due Diligence Vendor-07/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.71% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.41 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4804660 |
| 580240 | XX | D A | A | A | Closed | FCRE1285 | 2025-08-04 12:24 | 2025-08-15 14:25 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 IRS Transcripts Do Not Match Income Docs | Resolved-1099 and income transcript from the IRS support income - Due Diligence Vendor-08/15/2025 <br> Ready for Review-On the bank statements for YTD earnings we have:<br>January : 15577.00<br> February: 17091.16<br> March: 36867.79<br> April: 16500<br> May: 12892.9<br>The above are summations of transfers from the actual PA account, which is reflected on the 1099. <br> If you add YTD plus the 1099 you get 14,317.49/month. Even if you apply a 10% expense factor (which I did not see in the guides), this would come out to 12,885.74 which is more than we used to qualify (10835.14). <br> If you use YTD, their monthly income (with a 10% expense factor), it would come out to 14,839.05 which easily supports the qualifying income. - Seller-08/15/2025 <br> Counter-Document Uploaded. per Guidelines: 1099 must be validated with a wage and income transcript from the IRS and Evidence of YTD earnings must be verified via "bank statements" covering the YTD period - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Extension was filed and Current 2025 YTD is higher than prior year. - Seller-08/05/2025 <br> Open-Borrower 2 IRS Transcripts Do Not Match Income Docs XXXX Income is not paid directly to borrower. 1099 income ($144,468.52) is paid to a business (with registered EIN XXXX) doesn't match borrower SSN XXXX. Per tax transcripts, Borrower W-2 income from MDLV, $67,855.<br>Missing 1099 transcript to match 1099 income used to qualify. - Due Diligence Vendor-08/04/2025 | Ready for Review-On the bank statements for YTD earnings we have:<br>January : 15577.00<br> February: 17091.16<br> March: 36867.79<br> April: 16500<br> May: 12892.9<br>The above are summations of transfers from the actual PA account, which is reflected on the 1099. <br> If you add YTD plus the 1099 you get 14,317.49/month. Even if you apply a 10% expense factor (which I did not see in the guides), this would come out to 12,885.74 which is more than we used to qualify (10835.14). <br> If you use YTD, their monthly income (with a 10% expense factor), it would come out to 14,839.05 which easily supports the qualifying income. - Seller-08/15/2025 <br>Ready for Review-Document Uploaded. Extension was filed and Current 2025 YTD is higher than prior year. - Seller-08/05/2025<br>| Resolved-1099 and income transcript from the IRS support income - Due Diligence Vendor-08/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.02 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.59 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5043320 |
| 580240 | XX | D A | A | A | Closed | FCOM1274 | 2025-08-04 14:59 | 2025-08-06 09:12 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Clerical PCCD received, consequential finding resolved - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. PCCD - Seller-08/05/2025 <br>Open-"\*\*\*\*\*\* Final Closing Disclosure Page 4 escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer""." - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. PCCD - Seller-08/05/2025<br>| Resolved-Clerical PCCD received, consequential finding resolved - Due Diligence Vendor-08/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.02 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.59 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5046719 |
| 580240 | XX | D A | A | A | Closed | FCRE1342 | 2025-07-31 12:58 | 2025-08-06 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Bank statements uploaded - Seller-08/05/2025 <br>Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Bank statements uploaded - Seller-08/05/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.02 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.59 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5009893 |
| 483695 | XX | D A | A | A | Closed | FCRE1330 | 2025-08-06 09:44 | 2025-08-08 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/07/2025 <br>Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-08/06/2025 |  | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-08/08/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5072784 |
| 172472 | XX | D A | N/A | N/A | Closed | FCOM4227 | 2025-08-12 14:58 | 2025-08-15 10:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ILE and ICD received, indicating there were no interim disclosures, data entered, no additional compliance findings. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-ILE and ICD received, indicating there were no interim disclosures, data entered, no additional compliance findings. - Due Diligence Vendor-08/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5150865 |
| 172472 | XX | D A | N/A | N/A | Closed | FCOM1252 | 2025-08-12 14:58 | 2025-08-15 10:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE and ICD received, indicating there were no interim disclosures, data entered, no additional compliance findings. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Revised Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-ILE and ICD received, indicating there were no interim disclosures, data entered, no additional compliance findings. - Due Diligence Vendor-08/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5150866 |
| 172472 | XX | D A | N/A | N/A | Closed | FCRE1503 | 2025-08-13 16:31 | 2025-08-14 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-1st Lien Mortgage payment History provided (escrowed) - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Missing xx mortgage statement of 1st mortgage on subject property which also does not appear on credit report. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-1st Lien Mortgage payment History provided (escrowed) - Due Diligence Vendor-08/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5168547 |
| 172472 | XX | D A | N/A | N/A | Closed | FCRE1342 | 2025-08-12 13:31 | 2025-08-14 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5148861 |
| 172472 | XX | D A | N/A | N/A | Closed | FCRE2109 | 2025-08-12 13:31 | 2025-08-14 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-08/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5148863 |
| 172472 | XX | D A | N/A | N/A | Closed | FCRE1316 | 2025-08-13 16:05 | 2025-08-14 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5168049 |
| 406836 | XX | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Final Property Loan Grades DBRS** |
| 395101 | 395101 |  | xxx A | N/A | N/A |
| 571550 | 571550 |  | xxx B C | A C B | A B |
| 204664 | 204664 |  | xxx A | N/A | N/A |
| 607403 | 607403 |  | xxx A C | N/A C | N/A |
| 537660 | 537660 |  | xxx A | N/A | N/A |
| 590282 | 590282 |  | xxx C A | A C B | A B |
| 213434 | 213434 |  | xxx A | N/A | N/A |
| 372403 | 372403 |  | xxx C | N/A D B | N/A B |
| 374474 | 374474 |  | xxx A | N/A | N/A |
| 216292 | 216292 |  | xxx A | N/A | N/A |
| 457886 | 457886 |  | xxx A | N/A D | N/A |
| 389106 | 389106 |  | xxx A | N/A | N/A |
| 335220 | 335220 |  | xxx A | N/A | N/A |
| 645283 | 645283 |  | xxx A C | D A | A |
| 214341 | 214341 |  | xxx A | N/A D | N/A |
| 443578 | 443578 |  | xxx D A | A D B | A B |
| 278363 | 278363 |  | xxx A | A | A |
| 497091 | 497091 |  | xxx A | N/A D | N/A |
| 459006 | 459006 |  | xxx D A | N/A D | N/A |
| 543554 | 543554 |  | xxx A | N/A | N/A |
| 375932 | 375932 |  | xxx D A | N/A D | N/A |
| 276052 | 276052 |  | xxx A | B A | B |
| 336608 | 336608 |  | xxx A | A | A |
| 246614 | 246614 |  | xxx A | A | A |
| 214910 | 214910 |  | xxx A | A | A |
| 457550 | 457550 |  | xxx A | A | A |
| 630776 | 630776 |  | xxx B A | A B | A B |
| 183608 | 183608 |  | xxx B A | A B | A B |
| 595048 | 595048 |  | xxx B A | B A | B |
| 653430 | 653430 |  | xxx A | A | A |
| 131192 | 131192 |  | xxx D A | A D | A |
| 535396 | 535396 |  | xxx B C | A C B | A B |
| 410599 | 410599 |  | xxx A | A | A |
| 163143 | 163143 |  | xxx A | A | A |
| 592483 | 592483 |  | xxx A | A | A |
| 505407 | 505407 |  | xxx A C | A C B | A B |
| 427054 | 427054 |  | xxx C | A C | A |
| 580240 | 580240 |  | xxx D | A D | A |
| 483695 | 483695 |  | xxx D A | A D | A |
| 172472 | 172472 |  | xxx D C | N/A D | N/A |
| 406836 | 406836 |  | xxx A | A | A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **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** | **Completion Report (1004D) 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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 395101 | 395101 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 23.28 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 571550 | 571550 |  | xxx | xxx |  | 0 | xxx | xxx | 1075 Exterior Only Inspection Condo Report | xxx | 64.36 | 67.08 | xxx | xxx | .0608 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0608 | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 204664 | 204664 |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 26.65 | 62.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 607403 | 607403 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 38.18 | 75.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 537660 | 537660 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.13 | 69.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 590282 | 590282 |  | xxx | xxx |  | 0 | xxx | xxx | Other | xxx | 25.58 | 80.0 | xxx | xxx | -.0375 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0375 | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 213434 | 213434 |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 12.34 | 69.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 372403 | 372403 |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 34.36 | 73.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 374474 | 374474 |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 19.33 | 79.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 216292 | 216292 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 42.08 | 74.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 457886 | 457886 |  | xxx | xxx |  | 0 | xxx | xxx | 2055 Exterior Only Inspection Report | xxx | 25.1 | 79.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 389106 | 389106 |  | xxx | xxx |  | 0 | xxx | xxx | Other | xxx | 35.3 | 69.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 335220 | 335220 |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 21.35 | 67.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 645283 | 645283 |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 7.3 | 80.0 | xxx | xxx | -.0288 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0288 | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 214341 | 214341 |  | xxx | xxx |  | 0 | xxx | xxx | AVM | xxx | 17.17 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 443578 | 443578 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.09 | 80.0 | xxx | xxx | .0442 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0442 | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 278363 | 278363 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.88 | 79.86 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 497091 | 497091 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.91 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 459006 | 459006 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.37 | 66.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 543554 | 543554 |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 16.81 | 84.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 375932 | 375932 |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 22.05 | 69.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 276052 | 276052 |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 23.38 | 69.51 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 336608 | 336608 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.38 | 74.66 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 246614 | 246614 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 11.72 | 44.41 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 214910 | 214910 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 30.58 | 79.48 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 457550 | 457550 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 24.14 | 76.86 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 630776 | 630776 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 39.67 | 69.86 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 183608 | 183608 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 16.0 | 84.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 595048 | 595048 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.22 | 64.98 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 653430 | 653430 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.73 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 131192 | 131192 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 21.99 | 76.02 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 535396 | 535396 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 35.91 | 77.36 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 410599 | 410599 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 27.78 | 63.85 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 163143 | 163143 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 37.42 | 79.91 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 592483 | 592483 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.97 | 84.87 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 505407 | 505407 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 22.81 | 54.27 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 427054 | 427054 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 18.63 | 42.71 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 580240 | 580240 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 17.73 | 44.03 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 483695 | 483695 |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 23.27 | 67.83 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 172472 | 172472 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.37 | 74.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 406836 | 406836 |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 13.61 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 395101 |  | 395101 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 571550 |  | 571550 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 204664 |  | 204664 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 607403 |  | 607403 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 537660 |  | 537660 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 590282 |  | 590282 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 213434 |  | 213434 | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| 372403 |  | 372403 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 374474 |  | 374474 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 216292 |  | 216292 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 457886 |  | 457886 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 389106 |  | 389106 | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 335220 |  | 335220 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 645283 |  | 645283 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 214341 |  | 214341 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 443578 |  | 443578 | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 278363 |  | 278363 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 497091 |  | 497091 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 459006 |  | 459006 | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | xxx | Yes | Employed |  | No |  | Yes | Present |
| 543554 |  | 543554 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 375932 |  | 375932 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 276052 |  | 276052 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 336608 |  | 336608 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 246614 |  | 246614 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 214910 |  | 214910 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 457550 |  | 457550 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 630776 |  | 630776 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 183608 |  | 183608 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 595048 |  | 595048 | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 653430 |  | 653430 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 131192 |  | 131192 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 535396 |  | 535396 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 410599 |  | 410599 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| 163143 |  | 163143 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 592483 |  | 592483 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 505407 |  | 505407 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 427054 |  | 427054 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 580240 |  | 580240 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 483695 |  | 483695 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 172472 |  | 172472 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 406836 |  | 406836 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 213434 |  |  | xxx | xxx | 12 Month Bank Statement | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 2.7 | 1 | 1 | N/A | 19.74 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| 389106 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.5 | 1 | 1 | N/A | 57.33 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 443578 |  |  | xxx | xxx | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.0 | 1 | 1 | N/A | 25.95 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 459006 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  | No | 1.5 | 1 | 1 | N/A | 21.56 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 595048 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 32.93 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

****<br>**October 8, 2025**<br> **Due Diligence Narrative Report**<br>

![](ex99-2_002.jpg)

**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* | *3* |
| &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 | 4 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

 ****

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 1 October 8, 2025

![](ex99-2_002.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-2_003.jpg) | **Mike Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-2_003.jpg) | **Joe Ozment** | Director of Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Pretium Residential Credit Management, LLC, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the DRMT 2025-CES1. The loans referenced in this narrative report were reviewed in the months of 06/2025 to 07/2025 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;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;7 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**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, and Morningstar

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 2 October 8, 2025

![](ex99-2_002.jpg)

Sampling

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

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;8 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;8 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to a select number of third-party guidelines that were approved by the Aggregator prior to acquisition. Clayton was supplied with the all guidelines in advance of our review.

Loan Grading

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

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

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.

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 3 October 8, 2025

![](ex99-2_002.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify/Fraudgaurd/Interthinx or similar risk evaluation report, which was already in the
loan file for Nationwide Mortgage Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert
information against loan documentation and assigned loan conditions accordingly.

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

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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 4 October 8, 2025

![](ex99-2_002.jpg)

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

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

- 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;&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") firms role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG 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 SFIG'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 SFIG 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.

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 5 October 8, 2025

![](ex99-2_002.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 6 October 8, 2025

![](ex99-2_002.jpg)

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4. data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Data Compare Results**

Clayton provided Pretium Residential Credit Management, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;5 | &nbsp;&nbsp;37.50% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |

---

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 7 October 8, 2025

![](ex99-2_002.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 DBRS Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** |  |  | 1 | 3 | **4** |
| **Final** | **B** |  |  | 3 | 1 | **4** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **0** | **0** | **4** | **4** | **8** |

---

\*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 DBRS Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A |  |  | 2 | 4 | **6** |
| **Final** | B |  | 1 | 1 |  | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **0** | **1** | **3** | **4** | **8** |

---

**Initial and Final DBRS Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 6 |  |  | 1 | **7** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **6** | **1** | **0** | **1** | **8** |

---

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 8 October 8, 2025

![](ex99-2_002.jpg)

**Initial and Final DBRS Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 6 |  |  |  | **6** |
| **Final** | B |  |  | 2 |  | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **6** | **0** | **2** | **0** | **8** |

---

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Valuations Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Non-ATR QM Upload

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 9 October 8, 2025

![](ex99-2_002.jpg)

**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

- 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

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

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

&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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 10 October 8, 2025

![](ex99-2_002.jpg)

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

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

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

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

&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;&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;&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;&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;&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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 11 October 8, 2025

![](ex99-2_002.jpg)

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

&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

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

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 12 October 8, 2025

![](ex99-2_002.jpg)

**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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 13 October 8, 2025

![](ex99-2_002.jpg)

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.

- 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;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 14 October 8, 2025

![](ex99-2_002.jpg)

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

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.

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 15 October 8, 2025

![](ex99-2_002.jpg)

**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

&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)

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

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

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

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

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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 16 October 8, 2025

![](ex99-2_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 17 October 8, 2025

![](ex99-2_002.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money 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;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 18 October 8, 2025

![](ex99-2_002.jpg)

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

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

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

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

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

---

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

---

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

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

---

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

---

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 19 October 8, 2025

![](ex99-2_002.jpg)

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

---

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

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

---

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

---

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 20 October 8, 2025

![](ex99-2_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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.)

**<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

DRMT 2025-CES1 Due Diligence Narrative Report Page \| 21 October 8, 2025

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | DRMT 2025-CES1 |
| **Start - End Dates:** | 6/9/2025 - 7/9/2025 |
| **Deal Loan Count:** | 8 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *8* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pretium Loan ID** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXXXX | 5853968 | XXXXXX | Months Reserves | 6.00 | 0.14 |
| XXXXXX | 5853968 | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| XXXXXX | 5853968 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 5853954 | XXXXXX | Property Type | SFR | Detached PUD |
| XXXXXX | 5853954 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 5853956 | XXXXXX | Months Reserves | 6.00 | 23.89 |
| XXXXXX | 5853956 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 5853957 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 5853959 | XXXXXX | Months Reserves | 684.00 | 25.62 |
| XXXXXX | 5853959 | XXXXXX | Property Type | SFR | Attached PUD |
| XXXXXX | 5853959 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 5853975 | XXXXXX | Months Reserves | 49.00 | 49.38 |
| XXXXXX | 5853975 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 5853978 | XXXXXX | Debt to Income Ratio (Back) | 39.7100 | 47.8511 |
| XXXXXX | 5853978 | XXXXXX | Months Reserves | 12.00 | 30.07 |
| XXXXXX | 5853978 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 5853980 | XXXXXX | Combined LTV | 75.22 | 67.91 |
| XXXXXX | 5853980 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 5853980 | XXXXXX | Original LTV | 20.98 | 18.94 |
| XXXXXX | 5853980 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

---

©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 99.2

**Exhibit 99.2 Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **DRMT 2025-CES1** |
| **Start - End Dates:** | **6/9/2025 - 7/9/2025** |
| **Deal Loan Count:** | **8** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *8* |
| ***Loans with Conditions:*** | *8* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pretium Loan ID** | **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** |
| XXXXXX | 5853968 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The payoff statement for XXX #XXX (mortgage) paid at closing was not in the file. | 6/18/2025: Payoff statement provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.07%; maximum allowed is 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no mortgage late payments is the last 36 months |
| XXXXXX | 5853968 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Per Underwriting guideline, maximum allowable lot size is 2 acres and rural properties are ineligible. The subject is rural with XXX acres. A waiver was provided by XXX dated XXX allowing the location to be rural and for the site to be over 2 acres. | waived | A waiver was provided by XXX dated XXX allowing the location to be rural and for the site to be over 2 acres. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.07%; maximum allowed is 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: no mortgage late payments is the last 36 months |
| XXXXXX | 5853954 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | Federal Consumer Protection | Satisfied B A | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No | The XXX reflects the LO name as XXX. The XXX reflects XXX without the middle name. | 1003 updated to match | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 Fico score exceeds the min of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 59.32% is less than the max of 75% |
| XXXXXX | 5853954 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of: XXX is prior to required Disbursement date: XXX , based on transaction date of: XXX including intervening weekend . | (No Data) | Lender provided corrected ROR - exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 Fico score exceeds the min of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 59.32% is less than the max of 75% |
| XXXXXX | 5853954 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The closed end second matrix indicate the most recent mortgage statement from the first mortgage must be provided and dated within 30 days of the note date. In this case, the file included two mortgage statements dated XXX and XXX, which are over 30 days prior to the note date of XXX. | XXX accepts the credit supplement in lieu of the mortgage statement. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 Fico score exceeds the min of 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 59.32% is less than the max of 75% |
| XXXXXX | 5853956 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | Credit | Income/Employment | Satisfied D A | CRDINC2340 | Employment verification does not meet guidelines | No | The Certificate of Good Standing for XXX as the subject property is vested in the entity name. | (No Data) | State of NJ report satisfies the requirement. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying score is 10+ points > requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower has low credit utilization of 9.71%. |
| XXXXXX | 5853956 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The dwelling coverage is $XXX. The required coverage is $XXX. The RCE was not found in the file. | Document provided to cure | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying score is 10+ points > requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower has low credit utilization of 9.71%. |
| XXXXXX | 5853956 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | The most recent mortgage statement for XXX #XXX (first mortgage) dated within 30 days of the note date was not in the file. The most recent statement was XXX but note date is XXX. | Document provided to cure. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying score is 10+ points > requirement.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower has low credit utilization of 9.71%. |
| XXXXXX | 5853957 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The closed end second guidelines indicate no 30 day late payments are allowed in the most recent 12 months on the housing payment history. In this case, the first mortgage on the subject property was 30 days late in XXX. The mortgage statement dated XXX shows the XXX payment was not made until XXX. | Supplement provided showing no late payments in the past 12 months with the last payment verified on XXX | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27 months reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 credit score; minimum required 680. |
| XXXXXX | 5853957 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The note for the first mortgage with XXX #XXX was missing from the file. The file included a note (XXX for $XXX) but it was not for the XXX mortgage (opened in XXX for $XXX). | (No Data) | Note provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27 months reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 credit score; minimum required 680. |
| XXXXXX | 5853959 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Credit | Legal Documents | Waived B | CRDLGL100 | Legal document incorrect or incomplete | No | The first mortgage has a co-borrower XXX and the property is currently vested in her name and the borrower's. | The vesting will not change. The file includes an approved wavier dated XXX for this issue. | Waived | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI ratio is 2.45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25 months of reserves. |
| XXXXXX | 5853959 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The closed end second matrix indicates the mortgage statement for the first mortgage must be dated within 30 days of the note date. In this case, the statement in file is dated XXX with next due being XXX. This statement is over 30 days old as of the note (XXX). | (No Data) | Statement provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI ratio is 2.45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25 months of reserves. |
| XXXXXX | 5853975 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date of: XXX is prior to required Disbursement date: XXX , based on transaction date of: XXX and including the intervening weekend.. | (No Data) | Lender provided revised PCCD XXX with Disbursement date of XXX - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.36% DTI is < 45% guideline<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.81% CLTV is low. |
| XXXXXX | 5853975 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Guide indicate first mortgages with a balloon are not eligible under the closed end second program. The borrower completed a modification in XXX on the first mortgage which lowered the rate and has a balloon payment at the end of the term. | The file includes an waiver dated XXX for this issue. | &nbsp;&nbsp;&nbsp;&nbsp;Waived | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.36% DTI is < 45% guideline<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.81% CLTV is low. |
| XXXXXX | 5853978 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The mortgage statement for the first mortgage (XXX #XXX) was dated XXX which is more than 30 days from the note date (XXX). Guide indicates this statement must be dated within 30 days of the note date. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 18.09% revolving credit utilization.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 FICO exceeds program min allowable of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 47.85% DTI is below program max allowable of 50%. |
| XXXXXX | 5853980 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The mortgage statement dated within 30 days of the note date was not in the file (XXX). The statement (XXX #XXX) was dated XXX. | (No Data) | Seller provided a credit supplement to cure. Mortgage statement in file supports no past due payment/forbearance amounts. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score is 10+ points > requirement.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been living in primary residence for 9 years. |
| XXXXXX | 5853980 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No | An appraisal or a 2055 exterior appraisal with AVM confidence score of Medium or high was not in the file. Audit used the value on the 1008 for data entry purposes. | (No Data) | AVM provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score is 10+ points > requirement.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been living in primary residence for 9 years. |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **DRMT 2025-CES1** |
| **Start - End Dates:** | **6/9/2025 - 7/9/2025** |
| **Deal Loan Count:** | **8** |
| *Report Run Date:* |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *8* |
| ***Loans with Conditions:*** | *8* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pretium Loan ID** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| XXXXXX | 5853968 | Yes | XXXXXX | XXXXXX D B A | Yes |
| XXXXXX | 5853954 | Yes | XXXXXX | XXXXXX C B A | No |
| XXXXXX | 5853956 | Yes | XXXXXX | XXXXXX D A | No |
| XXXXXX | 5853957 | Yes | XXXXXX | XXXXXX D A | No |
| XXXXXX | 5853959 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| XXXXXX | 5853975 | Yes | XXXXXX | XXXXXX C B A | Yes |
| XXXXXX | 5853978 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| XXXXXX | 5853980 | Yes | XXXXXX | XXXXXX D A | No |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | DRMT 2025-CES1 |
| **Start - End Dates:** | 6/9/2025 - 7/9/2025 |
| **Deal Loan Count:** | 8 |
| **Valuations Summary** |  |
| Loans in Report: | 8 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  | **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** | **Pretium Loan ID** | **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** |
| XXXXXX | 5853968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 2.3 |
| XXXXXX | 5853954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.27% | XXXXXX | 0.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| XXXXXX | 5853956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| XXXXXX | 5853957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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% | 1.1 |
| XXXXXX | 5853959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $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% | 1 |
| XXXXXX | 5853975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 1 |
| XXXXXX | 5853978 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | 3.5 |
| XXXXXX | 5853980 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Enhanced Automated Valuation Model |  |  |  | $0.00 |  |  | Missing |  | $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% | (No Data) |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **DRMT 2025-CES1** |
| **Start - End Dates:** | **6/9/2025 - 7/9/2025** |
| **Deal Loan Count:** | **8** |
| **ATR QM Upload** | **ATR QM Upload** |
| Loans in Report: | 8 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 |
| **Loan Number** | **Pretium Loan ID** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **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** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **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** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| XXXXXX | 5853968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 2 | 9.2573 | No | No | 3.353 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.32 | 48.85 | 0 | 48.85 | 48.85 | 48.85 | No | No | (No Data) | 14725.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 47 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 47 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5853954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 8.7431 | No | No | 0.911 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.58 | 49.62 | 49.58 | 49.62 | 49.62 | 49.62 | No | No | (No Data) | 4999.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5853956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 2 | 13.0361 | No | No | 6.817 | (No Data) | (No Data) | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 45.18 | 0 | 45.18 | 45.18 | 45.18 | (No Data) | (No Data) | (No Data) | 5049.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5853957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 12.2141 | Yes | Yes | 2.132 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.06 | 39.12 | 38.06 | 39.12 | 39.12 | 39.12 | No | No | (No Data) | 14961.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 15 months | P & L Only - 15 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5853959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 13.1957 | Yes | Yes | 2.428 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 2.44 | 2.45 | 2.44 | 2.45 | 2.45 | 2.45 | No | No | (No Data) | 261147.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5853975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 9.6967 | Yes | Yes | 1.548 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.36 | 28.36 | 28.36 | 28.36 | 28.36 | 28.36 | No | No | (No Data) | 21492.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5853978 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 2 | 11.9544 | No | Yes | 3.973 | 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) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.5 | 47.85 | 39.5 | 47.85 | 47.85 | 47.85 | No | No | (No Data) | 5676.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 5853980 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 2 | 9.1516 | No | No | 1.195 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.89 | 45.03 | 0 | 45.03 | 45.03 | 45.03 | No | No | (No Data) | 4858.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 24 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |

---

<br>©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 99.2

**Exhibit 99.2 Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **DRMT 2025-CES1** |
| **Start - End Dates:** | **6/9/2025 - 7/9/2025** |
| **Deal Loan Count:** | **8** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *8* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pretium Loan ID** | **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** |
| XXXXXX | 5853968 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16215 | XXXXXX | 9.2573 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| XXXXXX | 5853954 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1390 | XXXXXX | 8.7431 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| XXXXXX | 5853956 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 13.0361 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 5853957 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2452.9 | XXXXXX | 12.2141 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| XXXXXX | 5853959 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 3211.88 | XXXXXX | 13.1957 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| XXXXXX | 5853975 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4540 | XXXXXX | 9.6967 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| XXXXXX | 5853978 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4088.34 | XXXXXX | 11.9544 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| XXXXXX | 5853980 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1765 | XXXXXX | 9.1516 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |

---

<br>©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**

**EXECUTIVE SUMMARY**

**DRMT 2025-CES1**

**By Clarifii LLC on October 9, 2025**

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 101 loans (the "Loans") and these loans were subsequently acquired by Pretium Residential Credit Management, LLC (the "Client") for the DRMT 2025-CES1 transaction. The loans referenced in this narrative report were reviewed 02/2025 through 07/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$32676356.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32676356.00** |

---

The Review consisted of a population of 101 loans, with an aggregate principal balance of $32,676,356.00.

**CLARIFII'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 loan level review standards in place as of the date of the review.

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

**LOAN SAMPLING**

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

---

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

---

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 2

**DATA INTEGRITY**

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

---

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

---

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 3

---

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

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 4

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 5

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 6

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 7

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 8

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 9

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 10

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify application address is different from subject 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;c. Verify executed by all borrowers

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 11

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 12

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No <br> Hit** | &nbsp;&nbsp;**# of Files > -10% Variance<br> to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within <br> -10% of OA or Acceptable<br> UCDP Risk Score\*** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;No Secondary Valuation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |

---

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 13

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

| | |
|:---|:---|
| **A** | Loan meets Credit, Compliance, and Valuation Guidelines. |
| **B** | The loan materially 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 materially 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 Grade**

---

| | |
|:---|:---|
| **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 materially 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 materially 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. |

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| **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. |

---

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 14

**Compliance Event Grade** 

---

| | |
|:---|:---|
| **A** | The loan is compliant 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 missing, 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. |

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Overall Review Results** | &nbsp;&nbsp; **Overall Review Results** | &nbsp;&nbsp; **Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &nbsp;&nbsp;84.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;15.84% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** |

---

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.

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 15

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;89 | &nbsp;&nbsp;88.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;11.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;95 | &nbsp;&nbsp;94.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total\*** | &nbsp;&nbsp;**95** | &nbsp;&nbsp;**94.06%** |

---

*\*Total number of loans does not include 6 loans without a secondary valuation.*

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;97 | &nbsp;&nbsp;96.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.96% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$32676356.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32676356.00** |

---

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 16

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;71 | &nbsp;&nbsp;70.30% | &nbsp;&nbsp;$23803556.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.99% | &nbsp;&nbsp;$114958.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;29 | &nbsp;&nbsp;28.71% | &nbsp;&nbsp;$8757842.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32676356.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$32676356.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32676356.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$32676356.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32676356.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.99% | &nbsp;&nbsp;$100000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;100 | &nbsp;&nbsp;99.01% | &nbsp;&nbsp;$32576356.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32676356.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Client with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Data Comparison Field** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;101 | &nbsp;&nbsp;98.02% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |

---

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 17

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;101 | &nbsp;&nbsp;84.16% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;68 | &nbsp;&nbsp;101 | &nbsp;&nbsp;32.67% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;101 | &nbsp;&nbsp;94.06% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;101 | &nbsp;&nbsp;98.02% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;21 | &nbsp;&nbsp;101 | &nbsp;&nbsp;79.21% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 18

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR or QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Extract Report

**Disclaimer**

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

 

*Please be advised that Clarifii 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. Clarifii'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. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

DRMT 2025-CES1 Due Diligence Narrative Report – PagE \| 19

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 535500 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 77674.64 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 549317 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9014 | 12.172 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17978.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 561521 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6895 | 10.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13075.47 | Yes | Employed |  | No |  | No |  |
| XXXX | 561531 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37522.01 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 562898 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 30245 | 10.078 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 23885.92 | Yes | Employed |  | No |  | No |  |
| XXXX | 563853 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7663.72 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 565399 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3662 | 11.331 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22758.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 565529 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7870 | 9.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24182.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 566301 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6995 | 9.409 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 33478.37 | Yes | Employed |  | No |  | No |  |
| XXXX | 571278 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14745 | 10.355 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24858.81 | Yes | Employed |  | No |  | No |  |
| XXXX | 571859 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | Yes | 33118.69 | 10.162 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7321.75 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 573581 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4465 | 9.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11703.82 | Yes | Employed |  | No |  | No |  |
| XXXX | 574919 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3495 | 9.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8486.54 | Yes | Employed |  | No |  | No |  |
| XXXX | 574966 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 27843.68 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 575006 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32553.57 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 577106 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3046.64 | 13.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4365.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 578068 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3370 | 9.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11923.23 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 578114 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 9120 | 10.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15868.3 | N/A | Employed |  | No |  | No |  |
| XXXX | 579365 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4995 | 9.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14785.33 | N/A | Employed |  | No |  | No |  |
| XXXX | 580688 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6885.5 | 12.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11586.6 | Yes | Employed |  | No |  | No |  |
| XXXX | 582580 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4155.1 | 10.002 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | 9781.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 584686 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6760.5 | 12.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23127.16 | N/A | Employed |  | No |  | No |  |
| XXXX | 585974 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5155 | 9.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21880.14 | N/A | Employed |  | No |  | No |  |
| XXXX | 587956 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 40527.26 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 587976 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 9620 | 10.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47877.73 | N/A | Employed |  | No |  | No |  |
| XXXX | 592169 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7795 | 9.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41143.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 592614 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 10995 | 10.343 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 38930.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 596085 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28223.82 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 599283 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2495 | 9.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7604.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 599446 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2482.5 | 12.624 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24440.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 600592 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 602543 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5495 | 9.739 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40957.79 | Yes | Employed |  | No |  | No |  |
| XXXX | 602714 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14495 | 9.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 26353.07 | Yes | Employed |  | No |  | No |  |
| XXXX | 603943 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 7685.3 | 10.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 30650.17 | Yes | Employed |  | No |  | No |  |
| XXXX | 605527 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 8950 | 11.377 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 83739.33 | Yes | Employed |  | No |  | No |  |
| XXXX | 606343 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4471.2 | 10.384 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18504.52 | N/A | Employed |  | No |  | No |  |
| XXXX | 609125 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3795 | 11.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6034.71 | N/A | Employed |  | No |  | No |  |
| XXXX | 609356 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 10745 | 9.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17674.03 | Yes | Employed |  | No |  | No |  |
| XXXX | 609394 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9526.25 | 12.501 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 138113.2 | N/A | Employed |  | No |  | No |  |
| XXXX | 609793 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12045 | 11.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 73758.07 | Yes | Employed |  | No |  | No |  |
| XXXX | 612572 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 612888 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10136.8 | 9.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4494.65 | Yes | Employed |  | No |  | No |  |
| XXXX | 613042 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 616312 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 87658.88 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 616461 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 16065 | 9.103 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14314.8 | Yes | Employed |  | No |  | No |  |
| XXXX | 616467 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8832.5 | 10.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23733.79 | Yes | Employed |  | No |  | No |  |
| XXXX | 617582 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 619527 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9740.97 | Yes | Employed | Employed | No | No | Yes | N/A |
| XXXX | 620905 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13366 | 9.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21095.01 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 622811 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5632.25 | 10.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8061.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 623008 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 623019 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 6035.6 | 12.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4890.05 | Yes | Employed |  | No |  | No |  |
| XXXX | 623022 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 7495 | 11.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27751.84 | Yes | Employed |  | No |  | No |  |
| XXXX | 624468 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 2978.56 | 12.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11464.46 | Yes | Employed |  | No |  | No |  |
| XXXX | 624818 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 6366.86 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 626730 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6750.19 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 627936 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 632297 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13381.68 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 632373 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6795 | 9.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 113566 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 634255 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 7359 | 11.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15888.88 | Yes | Employed |  | No |  | No |  |
| XXXX | 635855 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5216.99 | 10.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5999.76 | Yes | Employed |  | No |  | No |  |
| XXXX | 635881 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 637014 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 14995 | 10.328 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21735.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 637172 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 11617.49 | 12.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10987.94 | Yes | Employed |  | No |  | No |  |
| XXXX | 637216 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3775 | 9.841 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8332.83 | N/A | Employed |  | No |  | No |  |
| XXXX | 639121 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 642157 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5715 | 11.732 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31802.64 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 642798 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6995 | 9.4 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11946.47 | Yes | Employed |  | No |  | No |  |
| XXXX | 642848 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 642893 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15372 | 9.959 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15185.89 | Yes | Employed |  | No |  | No |  |
| XXXX | 643455 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 8520 | 10.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7090.29 | N/A | Employed |  | No |  | No |  |
| XXXX | 645195 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1507.7 | 10.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13392.01 | N/A | Employed |  | No |  | No |  |
| XXXX | 645727 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4732.5 | 9.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14720.28 | Yes | Employed |  | No |  | No |  |
| XXXX | 645731 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 25055 | 9.173 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 22369.44 | Yes | Employed |  | No |  | No |  |
| XXXX | 646756 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34685.86 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 648653 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4370 | 10.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12510.37 | N/A | Employed |  | No |  | No |  |
| XXXX | 650723 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10995 | 9.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21143.27 | N/A | Employed |  | No |  | No |  |
| XXXX | 650747 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 4241.26 | 10.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9744.21 | Yes | Employed |  | No |  | No |  |
| XXXX | 651180 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5645 | 11.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8618.1 | Yes | Employed |  | No |  | No |  |
| XXXX | 652343 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6613.75 | 10.344 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 4815.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 658710 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14745 | 10.87 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 30964.78 | N/A | Employed |  | No |  | No |  |
| XXXX | 660480 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6435 | 11.239 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20735.49 | Yes | Employed |  | No |  | No |  |
| XXXX | 660572 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6151.25 | 11.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11399.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 660585 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4932.5 | 11.876 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32253.95 | N/A | Employed |  | No |  | No |  |
| XXXX | 661417 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10895 | 12.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21984.86 | Yes | Employed |  | No |  | No |  |
| XXXX | 661460 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16690 | 8.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46999.17 | N/A | Employed |  | No |  | No |  |
| XXXX | 663080 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10995 | 10.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 37422.69 | Yes | Employed |  | No |  | No |  |
| XXXX | 663092 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10219.74 | 10.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37228.29 | Yes | Employed |  | No |  | No |  |
| XXXX | 663498 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24727.74 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXX | 664346 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2967.25 | 12.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7472.33 | Yes | Employed |  | No |  | No |  |
| XXXX | 664686 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24306.96 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 664700 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9745 | 10.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17453.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 665360 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 665751 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13726.25 | 10.307 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10161.27 | Yes | Employed |  | No |  | No |  |
| XXXX | 665802 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12809.14 | 10.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14039.33 | Yes | Employed |  | No |  | No |  |
| XXXX | 666044 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9188.5 | 10.384 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 270818.46 | Yes | Employed |  | No |  | No |  |
| XXXX | 666047 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7870 | 10.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28459.4 | Yes | Employed |  | No |  | No |  |
| XXXX | 668487 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6995 | 9.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11082.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 670657 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23107.59 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 672877 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6113.75 | 11.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13412.12 | Yes | Employed |  | No |  | No |  |
| XXXX | 673923 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5690 | 9.965 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 60765.11 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 535500 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per appraisal |
| XXXX | 549317 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.71 | 28.89 | Variance due to Lender excluding second lien payment |
| XXXX | 561521 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 562898 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 563853 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Based on G/L and audit review |
| XXXX | 565399 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 565529 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 565529 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per appraisal |
| XXXX | 566301 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 571278 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 571278 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.62 | 44.43 | Lender counted taxes 2 times on 1008 |
| XXXX | 571859 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 571859 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 573581 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 573581 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 573581 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.41 | 35.07 | Lender did not include taxes & HOI in PITIA payment |
| XXXX | 574919 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 574919 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.72 | 40.98 | Lender 1008 has incorrect P&I amount for 1st lien. |
| XXXX | 574966 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 574966 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 54.17 | 54.16 | Per Appraisal |
| XXXX | 575006 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 575006 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 578068 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 578114 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 578114 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.47 | 39.51 | Lender 1008 taxes and insurance counted twice. |
| XXXX | 579365 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 580688 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 580688 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 582580 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 584686 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 584686 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.68 | 18.50 | Lender did not include first lien P&I |
| XXXX | 585974 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 585974 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 587956 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 587956 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Appears warrantable-non warrantable are not eligible for program |
| XXXX | 587976 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 592169 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 599283 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 599446 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 599446 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.66 | 11.68 | Originator recalculated income post close using the higher expense ratio from the P&L in file. |
| XXXX | 600592 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 600592 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per Appraisal |
| XXXX | 602714 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 602714 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.25 | 44.58 | Variance due to Lender using a higher 1st P&I payment |
| XXXX | 603943 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 609125 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 609125 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per UW and Questionnaire |
| XXXX | 609356 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 609356 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.83 | 43.71 | Audit matches Lender's 1008 |
| XXXX | 609394 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 609394 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 609793 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 612572 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 612888 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 616461 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 616467 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 619527 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 619527 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 620905 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 620905 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.02 | 41.21 | Audit calculated lower income. |
| XXXX | 622811 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 623008 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Subject is 4 unit: Tape Data unknown |
| XXXX | 623019 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.48 | 51.60 | Audit shows ratio's match final 1008/Tape Data Unknown |
| XXXX | 623022 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 624468 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 624468 | XXXX | XXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003 |
| XXXX | 624468 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.61 | 20.34 | Audit income calculated lower than lender income |
| XXXX | 624818 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 627936 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 627936 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 627936 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3091.37 | DSCR Loan |
| XXXX | 632297 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in File |
| XXXX | 632297 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 632297 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 632373 | XXXX | XXXX | Borrower 2 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 632373 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 634255 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | 635855 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 635855 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 54.9 | 42.88 | Per 1008 lender did not include P&I in DTI for 1st lien. |
| XXXX | 635881 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 635881 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 637014 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 637014 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 637172 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Post CD |
| XXXX | 637216 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 637216 | XXXX | XXXX | Property City | notePage | XXXX | XXXX | Per Note |
| XXXX | 639121 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 639121 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Audit, property is a 2 unit |
| XXXX | 639121 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.402 | 1.08 | Lender used full PITIA and then added HOI and Taxes again |
| XXXX | 642157 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 642798 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 642798 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 642848 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 643455 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 643455 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.6 | 47.39 | Lender used higher P&I to qualify and audit verified lower income than lender |
| XXXX | 645195 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 645195 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | 645195 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 645727 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.37 | 42.47 | Lender used PITIA for current mortgage then added T&I. Also Lender shows business loan in liabilities Audit shows debt in Employment as it is for a property |
| XXXX | 645731 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 645731 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 658710 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 658710 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 73.14 | 72.94 | per 1008 |
| XXXX | 658710 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.13 | 37.42 | Audit is within 2% of the 1008 |
| XXXX | 660480 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 660572 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 660572 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 660572 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.56 | 42.58 | Lender included T&I twice |
| XXXX | 660585 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 660585 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | 661417 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 661460 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 663080 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 663080 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.48 | 37.55 | Lender counted total housing payment twice |
| XXXX | 663092 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 663498 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.08 | 38.55 | Lender did not calculate new 2nd into their DTI |
| XXXX | 665360 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 665360 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 8999.19 | DSCR |
| XXXX | 665751 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 670657 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 672877 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 672877 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003. |
| XXXX | 673923 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 565399 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 549317 | XXXX C A | Closed | finding-47 | 2025-03-14 22:27 | 2025-05-01 07:39 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD - Seller-04/30/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-03/15/2025 | Ready for Review-Document Uploaded. Please see attached PCCD - Seller-04/30/2025<br>| Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-05/01/2025 | Months Reserves exceed minimum required - 0 months reserves required, borrower has 37.89 documented<br>Long term residence - Over 5 yrs at current residence |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3619559 |
| XXXX | 535500 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 580688 | XXXX C A | Closed | FCRE1254 | 2025-04-22 16:50 | 2025-04-24 14:54 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Upon further review, private road requirements have been met. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Please note the subject is in XX. Per XXXX Selling Guide, section B4-1.3-04: "If the property is located within a state that has statutory provisions that define the responsibilities of property owners for the maintenance and repair of a private street, no separate agreement or covenant is required." <br>XXXX has statutory provisions that define the responsibilities of property owners for the maintenance and repair of private streets. Specifically, XXXX Civil Code § 845 outlines these responsibilities: Maintenance Responsibility: The owner of any easement in the nature of a private right-of-way, or of any land to which such an easement is attached, is responsible for maintaining it in repair. Cost Sharing: If the easement is owned by multiple persons or attached to parcels under different ownership, the maintenance costs should be shared according to any existing agreement. In the absence of such an agreement, costs are to be shared proportionally based on each owner's use of the easement. Enforcement: If an owner refuses or fails to pay their share after a written demand, other owners may bring an action to recover the owed amount or seek specific performance or contribution. Therefore, under XXXX guidelines, properties in XXXX located on community-owned or privately maintained streets are not required to have a separate maintenance agreement or covenant, as the state's statutory provisions adequately define maintenance responsibilities. <br>The loan file included the attached LOE from the borrower stating each homeowner is individually responsible for maintaining the portion of the road that fronts their property. - Seller-04/23/2025 <br> Open-Property Title Issue Provide private road maintenance agreement. Guidelines silent; per XXXX For properties on private roads, XXXX generally requires a legally enforceable agreement or covenant for the maintenance of the street. This agreement specifies who is responsible for maintaining the road and managing its finances. Loan file only contained a LOE from borrower. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Please note the subject is in XX. Per XXXX Selling Guide, section B4-1.3-04: "If the property is located within a state that has statutory provisions that define the responsibilities of property owners for the maintenance and repair of a private street, no separate agreement or covenant is required." <br>XXXX has statutory provisions that define the responsibilities of property owners for the maintenance and repair of private streets. Specifically, XXXX Civil Code § 845 outlines these responsibilities: Maintenance Responsibility: The owner of any easement in the nature of a private right-of-way, or of any land to which such an easement is attached, is responsible for maintaining it in repair. Cost Sharing: If the easement is owned by multiple persons or attached to parcels under different ownership, the maintenance costs should be shared according to any existing agreement. In the absence of such an agreement, costs are to be shared proportionally based on each owner's use of the easement. Enforcement: If an owner refuses or fails to pay their share after a written demand, other owners may bring an action to recover the owed amount or seek specific performance or contribution. Therefore, under XXXX guidelines, properties in XXXX located on community-owned or privately maintained streets are not required to have a separate maintenance agreement or covenant, as the state's statutory provisions adequately define maintenance responsibilities. <br>The loan file included the attached LOE from the borrower stating each homeowner is individually responsible for maintaining the portion of the road that fronts their property. - Seller-04/23/2025 | Resolved-Upon further review, private road requirements have been met. - Due Diligence Vendor-04/24/2025<br>| Long term residence - Long term residence- Borrower has been residing at the subject for over 6 years<br> Months Reserves exceed minimum required - 0 months required- Borrower has 22 months in reserves |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3931414 |
| XXXX | 561521 | XXXX D A | Closed | FCRE7497 | 2025-04-01 11:33 | 2025-04-03 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, the loan file contained all required credit documentations - Due Diligence Vendor-04/03/2025 <br>Ready for Review-We respectfully disagree. The total monthly payment obligation associated with the timeshare was included in the DTI calculations. The additional documentation requested is not required by the program guidelines. - Seller-04/02/2025 <br>Open-Credit report reflect time share installment loan. Missing documentation to confirm if there are any mandatory fees associated wit the time share. - Due Diligence Vendor-04/01/2025 | Ready for Review-We respectfully disagree. The total monthly payment obligation associated with the timeshare was included in the DTI calculations. The additional documentation requested is not required by the program guidelines. - Seller-04/02/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentations - Due Diligence Vendor-04/03/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 34.96%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 759. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3741818 |
| XXXX | 566301 | XXXX B A | Closed | FCOM1353 | 2025-04-09 10:19 | 2025-04-09 10:20 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 31.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 680 credit score. Qualifying credit score is 714. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3816363 |
| XXXX | 578068 | XXXX D A C | Closed | FCRE1328 | 2025-04-21 10:14 | 2025-09-26 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-XXXX year end paystub provided. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Please note that the Year End paystub is able to be used as an alternative document to the W2 as it contains all the Year End Figures which would otherwise be reflected on the W2. - Seller-04/25/2025 <br> Counter-W2 is required per 8.4 section of guidelines. Finding remains. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-We respectfully disagree. The loan file included a year-end paystub for XXXX period end date XXXX, reflecting total earnings for XXXX. - Seller-04/21/2025 <br> Open-Borrower 1 W2/1099 Missing Missing XXXX W2 - Due Diligence Vendor-04/21/2025 | Ready for Review-Please note that the Year End paystub is able to be used as an alternative document to the W2 as it contains all the Year End Figures which would otherwise be reflected on the W2. - Seller-04/25/2025 <br> Ready for Review-We respectfully disagree. The loan file included a year-end paystub for XXXX period end date XXXX, reflecting total earnings for XXXX. - Seller-04/21/2025 | Resolved-XXXX year end paystub provided. - Due Diligence Vendor-04/25/2025 | Qualifying DTI below maximum allowed - DTI of 33.69% is less than the maximum allowed per guidelines of 50%<br>CLTV is less than guidelines maximum - CLTV of 57.79% is below the maximum of 80% allowed per guidelines. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3913751 |
| XXXX | 578068 | XXXX D A C | Closed | finding-3634 | 2025-04-16 16:21 | 2025-05-06 08:00 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Recieved verification initial LE XXXX was not delivered to borrower. CD XXXX lender credit XXXX. Finding resolved. - Due Diligence Vendor-05/06/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see e-mail from Broker confirming they never provided the LE, dated XXXX, to the borrower. - Seller-05/05/2025 <br> Counter-----Received LE XXXX, LE XXXX, LE XXXX, CD XXXX, CD XXXX and PCCD XXXX. Intiial LE per documentation in file is XXXX and does not reflect any tax service or flood cert fees. Finding remains. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Can we please get clarification as to where the fee increase is being pulled from. Reviewed all LE's and CD's in the file, from initial Disclosures to PCCD, and they all reflected a XXXX Tax Service Fee and XXXX Flood Cert Fee - Seller-04/25/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX Tax Service and XXXX for Flood Cert, for a total of XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Lender credit in the amount of XXXX was issued on CD XXXX. Reducing the total violation amount. Statute of Limitations 1 year- Expiration date is XXXX.<br> - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see e-mail from Broker confirming they never provided the LE, dated XXXX, to the borrower. - Seller-05/05/2025 <br> Ready for Review-Document Uploaded. Can we please get clarification as to where the fee increase is being pulled from. Reviewed all LE's and CD's in the file, from initial Disclosures to PCCD, and they all reflected a XXXX Tax Service Fee and XXXX Flood Cert Fee - Seller-04/25/2025 | Resolved-Recieved verification initial LE XXXX was not delivered to borrower. CD XXXX lender credit XXXX. Finding resolved. - Due Diligence Vendor-05/06/2025 | Qualifying DTI below maximum allowed - DTI of 33.69% is less than the maximum allowed per guidelines of 50%<br>CLTV is less than guidelines maximum - CLTV of 57.79% is below the maximum of 80% allowed per guidelines. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3883344 |
| XXXX | 613042 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 565529 | XXXX C A | Closed | finding-3635 | 2025-04-02 10:13 | 2025-04-29 12:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd COC. Finding Resolved. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. We kindly disagree, please see attached CIC LE sent XXXX which increased the Recording Fee to XXXX; so the Final Recording Fee was actually lower. Can this finding be cleared? - Seller-04/29/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fees) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date isXXXX. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. We kindly disagree, please see attached CIC LE sent XXXX which increased the Recording Fee to XXXX; so the Final Recording Fee was actually lower. Can this finding be cleared? - Seller-04/29/2025 | Resolved-Rec'd COC. Finding Resolved. - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - 0 mths reserves required- Borrower has 25.38 months reserves <br>CLTV is less than guidelines maximum - Guidelines allow CLTV to 80%. Subject loan CLTV is 59.55%.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 734 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3750942 |
| XXXX | 561531 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 571859 | XXXX C A | Closed | FCRE8201 | 2025-04-16 10:47 | 2025-04-29 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-TRID was run on this loan and no Comp Findings triggered. - Due Diligence Vendor-04/29/2025 <br> Open-Missing evidence that the XXXX and XXXX accounts being paid off are being used for business purposes. If this cannot be provided then loan is subject to TRID requirements. - Due Diligence Vendor-04/16/2025 |  | Resolved-TRID was run on this loan and no Comp Findings triggered. - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower's reserves 53.38 months <br>Long term residence - Long term residence-- Borrower has been residing at his home for over 5+ yrs |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3878216 |
| XXXX | 563853 | XXXX D B A | Closed | FCRE1152 | 2025-04-04 07:22 | 2025-04-07 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Please see attached Tax Certificate. - Seller-04/04/2025 <br>Open-Missing Evidence of Property Tax Provide subject's taxes from Title or current tax bill. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Please see attached Tax Certificate. - Seller-04/04/2025<br>| Resolved-Received tax cert - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 772<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 30.18% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3781824 |
| XXXX | 563853 | XXXX D B A | Closed | FCRE0970 | 2025-04-04 08:00 | 2025-04-04 08:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator waiver applied deemed non material due to it does not affect value and there are no other indications in file of occupancy concerns.<br> - Due Diligence Vendor-04/04/2025 <br>Open-Appraisal to reflect the Occupant as Tenant or Vacant. - Due Diligence Vendor-04/04/2025 |  | Waived-Originator waiver applied deemed non material due to it does not affect value and there are no other indications in file of occupancy concerns.<br> - Due Diligence Vendor-04/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 772<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 30.18% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 3782008 |
| XXXX | 582580 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 578114 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 577106 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 574919 | XXXX C A | Closed | finding-3542 | 2025-04-14 16:57 | 2025-04-29 14:28 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Rec'd Disclosure Tracking Summary. Finding Resolved. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Please see attached documents showing that the Revised CD was delivered to the borrower electronically on XXXX. We ask that this condition please be cleared. - Seller-04/29/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six 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 closing disclosure delivery date is less than three business days (counting all calendar days except XXXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except XXXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The calculated APR decreased on CD XXXX outside of tolerance. Provide evidence that CD XXXX was provided at least 3 days prior to closing date of XXXX. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Please see attached documents showing that the Revised CD was delivered to the borrower electronically on XXXX. We ask that this condition please be cleared. - Seller-04/29/2025 | Resolved-Rec'd Disclosure Tracking Summary. Finding Resolved. - Due Diligence Vendor-04/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - MIn FICO 660- Borrower's FICO 732.<br>Months Reserves exceed minimum required - Reserves required 0 months - Borrower has 21 months in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3860632 |
| XXXX | 599283 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 562898 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 616461 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 575006 | XXXX D A | Closed | FCRE5790 | 2025-04-17 11:34 | 2025-04-22 15:19 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/18/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide a Gap Credit Report or UDM dated within 10 days of closing. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/18/2025<br>| Resolved-Received UDM - Due Diligence Vendor-04/22/2025<br>| Qualifying DTI below maximum allowed - Lender minimum DTI 50%, borrower DTI 36.96%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 720, borrower FICO 778. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3890637 |
| XXXX | 575006 | XXXX D A | Closed | FCRE1764 | 2025-04-17 12:00 | 2025-04-22 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received Closing Disclosure for the new primary residence. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Please see attached. - Seller-04/18/2025 <br>Open-Provide docs to verify the PITIA for new simultaneous primary purchase loan. - Due Diligence Vendor-04/17/2025 | Ready for Review-Please see attached. - Seller-04/18/2025<br>| Resolved-Received Closing Disclosure for the new primary residence. - Due Diligence Vendor-04/22/2025<br>| Qualifying DTI below maximum allowed - Lender minimum DTI 50%, borrower DTI 36.96%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 720, borrower FICO 778. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3891226 |
| XXXX | 2009027720 | XXXX D A | Closed | FCRE1764 | 2025-04-17 12:54 | 2025-04-22 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Upon further review, 12 month mortgage statement were provided to support the borrower is not obligated for the primary residence. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-The Borrower is not obligated on First Lien for the Primary Residence and the taxes & insurance were included in DTI as noted on the 1008. 12 months of statements have been provided. No additional statements are required. - Seller-04/18/2025 <br> Open-Provide the Chase XXXX mortgage statement for XXXX. - Due Diligence Vendor-04/17/2025 | Ready for Review-The Borrower is not obligated on First Lien for the Primary Residence and the taxes & insurance were included in DTI as noted on the 1008. 12 months of statements have been provided. No additional statements are required. - Seller-04/18/2025<br>| Resolved-Upon further review, 12 month mortgage statement were provided to support the borrower is not obligated for the primary residence. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 788<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower's reserves 81.33 mths |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3891846 |
| XXXX | 624818 | XXXX D A | Closed | FCRE5116 | 2025-05-30 15:25 | 2025-06-05 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Up on further review, the guidelines require only a housing history. They do not specify on current rental history. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-We respectfully disagree. Vista Point guidelines, section 6.5 Housing History requires borrowers to have satisfactory mortgage and/or rent payment history in the three years prior to loan application. It does not require current rental history if there is sufficient mortgage history within that timeframe. In this case, the borrower has 4 years of satisfactory mortgage payment history, which includes coverage within the required 3-year window. This meets the housing history requirement. While the borrower has recently been renting, the short-term rental history is not needed to satisfy guideline requirements. A VOR is not required. - Seller-06/04/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR on current primary residence - Due Diligence Vendor-05/30/2025 | Ready for Review-We respectfully disagree. XXXX guidelines, section 6.5 Housing History requires borrowers to have satisfactory mortgage and/or rent payment history in the three years prior to loan application. It does not require current rental history if there is sufficient mortgage history within that timeframe. In this case, the borrower has 4 years of satisfactory mortgage payment history, which includes coverage within the required 3-year window. This meets the housing history requirement. While the borrower has recently been renting, the short-term rental history is not needed to satisfy guideline requirements. A VOR is not required. - Seller-06/04/2025 | Resolved-Up on further review, the guidelines require only a housing history. They do not specify on current rental history. - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 721<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 18.24 mths in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4287860 |
| XXXX | 606343 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 573581 | XXXX C A | Closed | FCRE0110 | 2025-04-16 21:44 | 2025-04-24 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Resolved-Received CD reflecting the XXXX Payoff. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Please refer to all the XXXX XXXX payoffs on the attached Final CD. - Seller-04/22/2025 <br> Counter-Email from title provided stating the solar will be removed as it is being paid through escrow, however the Settlement Statement provided does not reflect the solar as being paid. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. The solar panel related loans were paid off at closing. Please refer to the XXXX payoff information attached. - Seller-04/18/2025 <br> Open-Provide proof of the payment for the Solar Panels, per appraisal. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Please refer to all the XXXX FCU payoffs on the attached Final CD. - Seller-04/22/2025 <br> Ready for Review-Document Uploaded. The solar panel related loans were paid off at closing. Please refer to the XXXX XXXX payoff information attached. - Seller-04/18/2025 | Resolved-Received CD reflecting the Solar Payoff. - Due Diligence Vendor-04/24/2025 | Months Reserves exceed minimum required - Min reserves required 0 mths- Borrower's reserves 26 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3885526 |
| XXXX | 573581 | XXXX C A | Closed | FPRO0021 | 2025-04-17 09:07 | 2025-04-22 15:07 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Upon further review, last inspection was on XXXX which is post the declared end date of the disaster. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. The appraisal was completed on XXXX. Pursuant XXXX Non-QM XX wildfire disaster policy "Appraisal Completed Within 30 Days After Disaster End Date - a PDI is not required - Seller-04/18/2025 <br> Open-XXXX. PDI required - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. The appraisal was completed on XXXX. Pursuant XXXX Non-QM XXXX wildfire disaster policy "Appraisal Completed Within 30 Days After Disaster End Date - a PDI is not required - Seller-04/18/2025 | Resolved-Upon further review, last inspection was on XXXX which is post the declared end date of the disaster. - Due Diligence Vendor-04/22/2025 | Months Reserves exceed minimum required - Min reserves required 0 mths- Borrower's reserves 26 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3888638 |
| XXXX | 587956 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 620905 | XXXX C A | Closed | FCRE1159 | 2025-05-27 16:39 | 2025-05-30 15:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, the loan file contained all required hazard insurance documentation. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-The subject loan is a Cash-Out Refinance transaction. The loan file delivered included the HOI with an effective date of XXXX AND the HOI with an effective date of XXXX. Please refer to pages 680-686. The subject had insurance effective before, during and after the disbursement date of XXXX. - Seller-05/29/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX The disbursement date is XXXX which is still prior to the effective date of XXXX. Verification of insurance for this period is required. - Due Diligence Vendor-05/27/2025 | Ready for Review-The subject loan is a Cash-Out Refinance transaction. The loan file delivered included the HOI with an effective date of XXXX AND the HOI with an effective date of XXXX. Please refer to pages 680-686. The subject had insurance effective before, during and after the disbursement date of XXXX. - Seller-05/29/2025 | Resolved-Upon further review, the loan file contained all required hazard insurance documentation. - Due Diligence Vendor-05/30/2025<br>| Months Reserves exceed minimum required - 0 months reserves required, 43 verified. <br>Qualifying FICO score is at least 20 points above minimum for program - 720 required, 784 verified. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4249484 |
| XXXX | 609356 | XXXX C A | Closed | FCRE5790 | 2025-05-16 10:57 | 2025-05-23 14:16 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/22/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Per guidelines - provide gap credit within 15 days of the Note date. Gap credit provided is XXXX days old - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/22/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 660 credit score. Qualifying credit score is 764.<br>CLTV is less than guidelines maximum - Guidelines allow CLTV to 90%. Subject loan CLTV is 38.06%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4163508 |
| XXXX | 587976 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 571278 | XXXX C A | Closed | FPRO0021 | 2025-04-16 08:16 | 2025-06-11 12:47 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI provided confirming no damage. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/11/2025 <br> Open-XXXX disaster after appraisal without a Individual PDI or 1004D. XXXX. Appraisal completed XXXX appraisal completed within 30 days of disaster. The appraiser must: address the impact of the adverse event and certify that the valuation has not changed. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/11/2025<br>| Resolved-PDI provided confirming no damage. - Due Diligence Vendor-06/11/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 41.62%<br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 42.15 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3876405 |
| XXXX | 623008 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 579365 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 585974 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 584686 | XXXX C A | Closed | finding-47 | 2025-04-22 11:40 | 2025-06-04 08:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-06/03/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-06/03/2025<br>| Resolved-Received PCCD XXXX, disbursement date XXXX. - Due Diligence Vendor-06/04/2025 | On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 45 months<br>Qualifying DTI below maximum allowed - DTI of 26.68% is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3926535 |
| XXXX | 624468 | XXXX D A | Closed | FCRE4104 | 2025-06-02 08:11 | 2025-07-03 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Per Business Narrative in file the business has international clients. The "Book Transfers" are from international companies - this is consistent with the Business Narrative. - Due Diligence Vendor-07/03/2025 <br> Counter-Provide email or LOE supporting commentary received. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. The business narrative already clearly outlines that the borrower operates a travel business serving both "clients and partners" worldwide. Due to the nature of their international operations, not all clients have the ability to send international wire transfers or make payments directly to a U.S.-based account.<br> As such, the borrower receives client payments into local business accounts within the clients' respective countries. These funds are then transferred to the borrower's main XXXX. business account. This structure is typical for international service businesses that must accommodate the banking limitations and preferences of their global client base.<br> The consistency and pattern of these transfers support the legitimacy of the income without the need for an additional Letter of Explanation. The business model has been clearly documented, and the transaction activity aligns with the stated operations<br> - Seller-06/10/2025 <br> Counter-Provide email or LOE supporting commentary received. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Borrower operates a travel business that generates income worldwide. Book transfers made are consistent and shows that it is a recurring transaction from different companies. - Seller-06/02/2025 <br> Open-Provide supporting explanation and documentation for the use of the "Book Transfers" on the XXXX statements. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please see attached. The business narrative already clearly outlines that the borrower operates a travel business serving both "clients and partners" worldwide. Due to the nature of their international operations, not all clients have the ability to send international wire transfers or make payments directly to a XXXX.-based account.<br> As such, the borrower receives client payments into local business accounts within the clients' respective countries. These funds are then transferred to the borrower's main U.S. business account. This structure is typical for international service businesses that must accommodate the banking limitations and preferences of their global client base.<br> The consistency and pattern of these transfers support the legitimacy of the income without the need for an additional Letter of Explanation. The business model has been clearly documented, and the transaction activity aligns with the stated operations<br> - Seller-06/10/2025 <br> Ready for Review-Borrower operates a travel business that generates income worldwide. Book transfers made are consistent and shows that it is a recurring transaction from different companies. - Seller-06/02/2025 | Resolved-Per Business Narrative in file the business has international clients. The "Book Transfers" are from international companies - this is consistent with the Business Narrative. - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - Min reserves required 0 mths- Borrower has 32.1 mths in reserves. <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 26.6%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 4296451 |
| XXXX | 599446 | XXXX C A | Closed | FCRE6026 | 2025-05-07 13:36 | 2025-05-20 14:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Potential Employment/income Issues identified in the file | Resolved-Originator recalculated the income using a higher expense ratio based on the P&L in file. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. The income calculations have been revised to reflect the expense factors according to the P&L. Attached please find a a revised 1003, 1008 and income calculation worksheet. - Seller-05/16/2025 <br>Open-Lender provided P&L from CPA which reflects much less income than bank statements provided - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. The income calculations have been revised to reflect the expense factors according to the P&L. Attached please find a a revised 1003, 1008 and income calculation worksheet. - Seller-05/16/2025<br>| Resolved-Originator recalculated the income using a higher expense ratio based on the P&L in file. - Due Diligence Vendor-05/20/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 11.82%. <br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 21.74 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4071876 |
| XXXX | 599446 | XXXX C A | Closed | finding-3634 | 2025-05-07 09:52 | 2025-05-08 10:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lender credit for fees above legal limit is on final CD. - Due Diligence Vendor-05/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit in the amount of XXXX was issued on CD XXXX for increase in fees above legal limit. Resolved - Due Diligence Vendor-05/07/2025 |  | Resolved-Lender credit for fees above legal limit is on final CD. - Due Diligence Vendor-05/08/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 11.82%. <br>Months Reserves exceed minimum required - 0 months reserves required, borrower has 21.74 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4068272 |
| XXXX | 600592 | XXXX C B A | Closed | FCRE0969 | 2025-05-08 11:49 | 2025-05-13 11:48 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-After further review, the rate cap on XXXX prepays has been removed. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-We respectfully disagree. According to the administrative law, no interest rate restriction is placed upon loans subject to the XXXX. - Seller-05/09/2025 <br> Open-For XXXX loans, Fixed Rate when closing in LLC or as individual, permitted if interest rate is equal to or less than XXXX. Loan interest rate is XXXX - Due Diligence Vendor-05/08/2025 | Ready for Review-We respectfully disagree. According to the administrative law, no interest rate restriction is placed upon loans subject to the XXXX Residential Mortgage Lending Act. - Seller-05/09/2025 | Resolved-After further review, the rate cap on XXXX prepays has been removed. - Due Diligence Vendor-05/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 769<br>On time mortgage history exceeds guideline requirement - Over 24 months on time mortgage history |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4082663 |
| XXXX | 600592 | XXXX C B A | Closed | FCRE8201 | 2025-05-08 11:46 | 2025-05-08 12:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client allowed w/comp factors of FICO and on time mtg history - Due Diligence Vendor-05/08/2025 <br> Open-EXCEPTION in file to allow XXXX for NON PERM RES ALIEN. XXXX not allowed on XXXX SECOND DSCR for NON PERM RES ALIEN<br> - Due Diligence Vendor-05/08/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client allowed w/comp factors of FICO and on time mtg history - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 769<br>On time mortgage history exceeds guideline requirement - Over 24 months on time mortgage history | -FICO 20+ points above minimum<br> -24+ months on time mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4082595 |
| XXXX | 623019 | XXXX C A | Closed | FCOM1354 | 2025-05-28 15:12 | 2025-07-29 13:05 | Resolved | 1 - Information C A | Compliance | Disclosure | Right to Cancel Transaction Date is less than 3 business days prior to the Disclosure Cancel Date | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-07/29/2025 <br> Counter-Received response from client: We note that the XXXX was signed on XXXX, which would confirm when the notice was received. Since the NORTC was signed on XXXX, the Right to Cancel would expire on XXXX. A copy of the Post Close CD was provided to evidence the loan did not fund until XXXX; therefore the Right to Cancel period was met.<br> Audit response: Per the Notice of Right to Cancel the borrower was only provided 2 days of rescission. A new Notice of Right to Cancel doc needs to be provided to borrower(s) to allow them a full three days of rescission. - Due Diligence Vendor-07/11/2025 <br> Counter-The actual Right to Cancel document is the document in question. The reference to option 3 is incorrect due to the verbiage in the document, within three business days from whichever of the following events occur last: option 2, date of receiving the Truth In Lending Disclosure , is XXXX, therefore 3 days later would be XXXX. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Please note that option (3) states the borrower has 3 days to cancel from when they receive the Notice. The borrower's signature evidences the borrower received it on XXXX, which would end the ROR on XXXX.; Therefore, the loan disbursing on XXXX would evidence the 3 day ROR was extended and met. We ask that this condition please be cleared. - Seller-07/02/2025 <br> Counter-----Received duplicate PCCD XXXX. Final CD XXXX signature date is XXXX and Mortgage notary date is XXXX. This is the closing date. Right to Cancel in file is dated XXXX with a signature date of XXXX. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Please see attached PCCD, Please note the document was included in the uploaded loan file, please refer to page 118-123. - Seller-06/02/2025 <br> Open-Right to Cancel Transaction Date is 'XXXX' but the Disclosure Cancel Date entered is 'XXXX'. Please verify that the correct dates have been entered (Number of Business Days Difference is '2'). The Cancel of Date on the Right to Cancel doc is XXXX and is less than three days from the closing date of XXXX. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-05/28/2025 | Ready for Review-Please note that option (3) states the borrower has 3 days to cancel from when they receive the Notice. The borrower's signature evidences the borrower received it on XXXX, which would end the ROR on XXXX.; Therefore, the loan disbursing on XXXX would evidence the 3 day ROR was extended and met. We ask that this condition please be cleared. - Seller-07/02/2025 <br> Ready for Review-Please see attached PCCD, Please note the document was included in the uploaded loan file, please refer to page 118-123. - Seller-06/02/2025 | Resolved-Upon further review, no further documentation is needed or required.<br> - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 48.48<br>Months Reserves exceed minimum required - 0 minimum reserves required, borrower has 30.9 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4260953 |
| XXXX | 617582 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 612888 | XXXX C B A | Closed | FCRE0019 | 2025-05-21 13:16 | 2025-06-10 16:34 | Waived | 2 - Non-Material C B | Credit | Income/Employment | PTIN Prepared P&L | Waived-Unable to Resolve-Originator exception granted to allow PTIN prepared P&L . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Open-PTIN prepared the P&L. PTIN prepared P&L only allowed if documented as employed by a 3rd party tax preparation service. PTIN company name shows preparer's last name and does not appear to be a third party company. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Waived-Unable to Resolve-Originator exception granted to allow PTIN prepared P&L . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/10/2025<br>| CLTV is less than guidelines maximum - 75% LTV, program allows 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 726 FICO, 700 required | Qualifying DTI 5% below maximum allowed<br> Qualifying FICO score is at least 20 points above minimum for program<br> 5+ years Verified employment history exceeds guidelines<br> 4+ years in primary residence | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4206724 |
| XXXX | 612888 | XXXX C B A | Closed | FCRE1510 | 2025-05-21 12:44 | 2025-05-30 15:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Please see attached recorded DOT w Legal. - Seller-05/29/2025 <br>Counter-Received legal from Title, however we are missing the legal description attached to the mortgage. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Please see attached Legal Description provided by Title for the DOT. - Seller-05/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing exhibit A-legal description - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Please see attached recorded DOT w Legal. - Seller-05/29/2025 <br>Ready for Review-Document Uploaded. Please see attached Legal Description provided by Title for the DOT. - Seller-05/22/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/30/2025<br>| CLTV is less than guidelines maximum - 75% LTV, program allows 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 726 FICO, 700 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4206229 |
| XXXX | 623022 | XXXX C B A | Closed | finding-2504 | 2025-05-28 17:01 | 2025-09-12 12:25 | Resolved | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Received post-close CD XXXX, LOE, copy of check and evidence of delivery to the borrower - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than XXXX. ----- Finance charge is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. <br> - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received post-close CD XXXX, LOE, copy of check and evidence of delivery to the borrower - Due Diligence Vendor-06/04/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 42.20%<br>Months Reserves exceed minimum required - Guidelines require 0 months of reserves. Qualifying reserves are 18 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4262683 |
| XXXX | 609125 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 592169 | XXXX C A | Closed | FPRO0011 | 2025-04-29 16:39 | 2025-05-23 14:20 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Upon further review, the last inspection date is > 30 days. Comments from the Appraiser is not required. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after the disaster end date. The subject appraisal was completed on XXXX, 42 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-05/22/2025 <br> Open-Individual – XXXX – File is Missing Appraiser Comment – NO Damage/No Impact to Marketability from Fires - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Please refer to the attached XXXX policy which requires a PDI or additional commentary for appraisals completed within 30 days after the disaster end date. The subject appraisal was completed on XXXX, 42 days after the disaster declaration end date of XXXX; as such, a PDI or additional commentary is not required. - Seller-05/22/2025 | Resolved-Upon further review, the last inspection date is > 30 days. Comments from the Appraiser is not required. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 764 Min FICO = 720<br>Qualifying DTI below maximum allowed - DTI = 39.06% - Max DTI = 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3998114 |
| XXXX | 645731 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 612572 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 596085 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 634255 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 645727 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 609394 | XXXX D A C | Closed | FCRE7497 | 2025-05-16 12:43 | 2025-05-21 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Please see attached. - Seller-05/20/2025 <br>Open-Provide the PITI for property 3b. - Due Diligence Vendor-05/16/2025 | Ready for Review-Please see attached. - Seller-05/20/2025<br>| Resolved-Received PITIA. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 720<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 13.5% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4165206 |
| XXXX | 609394 | XXXX D A C | Closed | finding-3634 | 2025-05-14 10:13 | 2025-05-16 13:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Lender credit in the amount of XXXX was issued on Final CD for increase in fee above legal limit. Resolved - Due Diligence Vendor-05/16/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit in the amount of XXXX was issued on Final CD for increase in fee above legal limit. Resolved - Due Diligence Vendor-05/14/2025 |  | Resolved------Lender credit in the amount of XXXX was issued on Final CD for increase in fee above legal limit. Resolved - Due Diligence Vendor-05/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 720<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 13.5% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4137835 |
| XXXX | 642893 | XXXX C A | Closed | finding-3652 | 2025-06-12 14:26 | 2025-07-24 13:17 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. We kindly disagree, please note that the CD on XXXX showed the Credits as XXXX compared to the Credits on the XXXX CD which reflect as XXXX. We are showing that credits actually increased. Can this please be cleared? - Seller-07/24/2025 <br> Counter-Received COC and CD dated XXXX. However, the lender credits decreased again on final CD XXXX without COC. Finding remains. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached CIC and CD showing the decrease was due to a Lock Extension. We ask this condition be waived. - Seller-06/22/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). 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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br>- Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. We kindly disagree, please note that the CD on XXXX showed the Credits as XXXX compared to the Credits on the XXXX CD which reflect as XXXX. We are showing that credits actually increased. Can this please be cleared? - Seller-07/24/2025 <br> Ready for Review-Document Uploaded. Please see attached CIC and CD showing the decrease was due to a Lock Extension. We ask this condition be waived. - Seller-06/22/2025 | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 736<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 36.75% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4428864 |
| XXXX | 592614 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 602714 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 602543 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 609793 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 605527 | XXXX D A | Closed | FCRE9814 | 2025-05-13 13:20 | 2025-05-16 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received a copy of the Revokable Living Trust. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025 <br>Open-Missing trust agreement. Title currently held in the name of a trust. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025<br>| Resolved-Received a copy of the Revokable Living Trust. - Due Diligence Vendor-05/16/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 20.92 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 40.54% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4129309 |
| XXXX | 643455 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 642798 | XXXX D A C | Closed | FCRE5782 | 2025-06-13 07:26 | 2025-06-19 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-06/19/2025 <br>Ready for Review-Document Uploaded. Please see attached clear fraud, Thank you - Seller-06/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide a gap credit report within 15 days of closing. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Please see attached clear fraud, Thank you - Seller-06/18/2025<br>| Resolved-Received UDM - Due Diligence Vendor-06/19/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 38.86%<br>CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 57%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4437305 |
| XXXX | 642798 | XXXX D A C | Closed | finding-3540 | 2025-06-12 13:35 | 2025-06-18 08:01 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received tracking record for CD XXXX, receipt date XXXX. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please note that the document was electronically delivered to the borrower on XXXX, as selected by the borrower. As the lender we are required to deliver the document in a timely manner, which was completed. Since the CIC did not trigger a new waiting period, the required delivery of the CD was met. - Seller-06/17/2025 <br> Counter-----Attached documents are not for this loan. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-06/16/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three 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 closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please note that the document was electronically delivered to the borrower on XXXX, as selected by the borrower. As the lender we are required to deliver the document in a timely manner, which was completed. Since the CIC did not trigger a new waiting period, the required delivery of the CD was met. - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-06/16/2025 | Resolved-Received tracking record for CD XXXX, receipt date XXXX. - Due Diligence Vendor-06/18/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 38.86%<br>CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 57%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4427895 |
| XXXX | 642798 | XXXX D A C | Closed | finding-3652 | 2025-06-12 13:35 | 2025-06-18 08:01 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received tracking record for CD XXXX, receipt date XXXX. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Please note that the document was electronically delivered to the borrower on XXXX, as selected by the borrower. As the lender we are required to deliver the document in a timely manner, which was completed. Since the CIC did not trigger a new waiting period, the required delivery of the CD was met. - Seller-06/17/2025 <br> Counter-----Attached document are not for this loan. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see copy of the signed CD dated XXXX - Seller-06/16/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). 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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Need borrower executed CD dated XXXX to remove finding. COC is in file. - Due Diligence Vendor-06/12/2025 | Ready for Review-Please note that the document was electronically delivered to the borrower on XXXX, as selected by the borrower. As the lender we are required to deliver the document in a timely manner, which was completed. Since the CIC did not trigger a new waiting period, the required delivery of the CD was met. - Seller-06/17/2025 <br> Ready for Review-Document Uploaded. Please see copy of the signed CD dated XXXX - Seller-06/16/2025 | Resolved-Received tracking record for CD XXXX, receipt date XXXX. - Due Diligence Vendor-06/18/2025 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 38.86%<br>CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 57%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4427896 |
| XXXX | 632297 | XXXX C B A | Closed | FPRO1253 | 2025-06-04 19:52 | 2025-09-12 14:32 | Waived | 3 - Material C | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025 |  | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 766.<br>Verified employment history exceeds guidelines - 5+ years same employment. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 4339765 |
| XXXX | 632297 | XXXX C B A | Closed | FCRE1195 | 2025-06-05 08:25 | 2025-06-05 08:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow CLTV over 70%, Non-material waiver applied with comp factors. non-material due to excellent credit profile, CLTV exception less than 5% (3.82%) - Due Diligence Vendor-06/05/2025 <br>Open-Audited CLTV of 73.82% exceeds Guideline CLTV of 70% Lender exception provided to exceed 70% CLTV on 2-4 units - Due Diligence Vendor-06/05/2025 |  | Waived-Originator exception granted to allow CLTV over 70%, Non-material waiver applied with comp factors. non-material due to excellent credit profile, CLTV exception less than 5% (3.82%) - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 766.<br>Verified employment history exceeds guidelines - 5+ years same employment. | 0X30 mortgage history.<br> FICO is 20+ points higher than minimum.<br> 5+ years same employment<br> 21 yrs on job. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4342940 |
| XXXX | 622811 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 660480 | XXXX C A | Closed | FCRE1440 | 2025-06-27 08:05 | 2025-07-21 16:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Hardship LOE. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/17/2025 <br> Counter-Hardship Letter was not located in the loan file. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Please refer to the Hardship letter indicating this was due to XXXX hardship, which is acceptable per guidelines. - Seller-07/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per Guidelines, loans in active forbearance or deferment. Deferred balance due to a documented hardship may remain open. Without documented hardship, deferred amounts must be paid through closing. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/17/2025 <br> Ready for Review-Please refer to the Hardship letter indicating this was due to XXXX hardship, which is acceptable per guidelines. - Seller-07/14/2025 | Resolved-Received Hardship LOE. - Due Diligence Vendor-07/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 39% <br>Months Reserves exceed minimum required - Min reserves 0 mths- Borrower has 41.22 mths in reserves |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4583002 |
| XXXX | 603943 | XXXX C B A | Closed | FCRE1199 | 2025-05-12 11:48 | 2025-05-15 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Upon further review, XXXX is the maximum loan amount. Please see exception for the 5% LTV variance. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Please refer to the next tier of loan amounts of XXXX to XXXX on the attached matrix. - Seller-05/13/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Per matrix maximum loan amount XXXX with LTV at 80%. Exception in the file does not address loan amount; only CLTV was addressed. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. We respectfully disagree. Please refer to the next tier of loan amounts of XXXX on the attached matrix. - Seller-05/13/2025 | Resolved-Upon further review, XXXX is the maximum loan amount. Please see exception for the 5% LTV variance. - Due Diligence Vendor-05/15/2025 | Credit history exceeds minimum required - 0X30 mortgage history in 24+ months.<br>Long term residence - Borrower has resided in subject primary for 16 yrs. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4114699 |
| XXXX | 603943 | XXXX C B A | Closed | FCRE1195 | 2025-05-12 11:48 | 2025-05-12 15:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow CLTV to 80%, Non-material waiver applied with comp factors. non-material due to CPA confirming 2 years of business operations and CLTV exception is 5% - Due Diligence Vendor-05/12/2025 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender exception provided for CLTV to 80%, with no business licenses. Guideline max 75%. - Due Diligence Vendor-05/12/2025 |  | Waived-Originator exception granted to allow CLTV to 80%, Non-material waiver applied with comp factors. non-material due to CPA confirming 2 years of business operations and CLTV exception is 5% - Due Diligence Vendor-05/12/2025<br>| Credit history exceeds minimum required - 0X30 mortgage history in 24+ months.<br>Long term residence - Borrower has resided in subject primary for 16 yrs. | 0X30 Mortgage History 24m.<br> DTI > 5% below max.<br> 5+ yrs in primary home. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4114697 |
| XXXX | 619527 | XXXX D C A | Closed | FPRO1253 | 2025-05-27 12:38 | 2025-09-12 14:30 | Waived | 3 - Material C | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025 |  | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025<br>| Verified employment history exceeds guidelines - B is 13 years on their current job, B2 23 years.<br>Months Reserves exceed minimum required - Zero months required, 78 months verified. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 4245698 |
| XXXX | 619527 | XXXX D C A | Closed | FCRE1108 | 2025-05-23 16:21 | 2025-06-16 08:03 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Upon further review, no additional documentation is needed or required - Due Diligence Vendor-06/16/2025 <br> Counter-Documentation received is insufficient-original finding remains. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-We respectfully disagree. The subject loan is a 30 year fixed rate 2nd lien. The monthly payment, according to the Note and Amortization schedule is XXXX. - Seller-05/27/2025 <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds XXXX) Simple Interest Loan and payment on the Note does not reflect correct payment, calculated payment is XXXX higher than what note shows. - Due Diligence Vendor-05/23/2025 | Ready for Review-We respectfully disagree. The subject loan is a 30 year fixed rate 2nd lien. The monthly payment, according to the Note and Amortization schedule is XXXX. - Seller-05/27/2025 | Resolved-Upon further review, no additional documentation is needed or required - Due Diligence Vendor-06/16/2025<br>| Verified employment history exceeds guidelines - B is 13 years on their current job, B2 23 years.<br>Months Reserves exceed minimum required - Zero months required, 78 months verified. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4234629 |
| XXXX | 619527 | XXXX D C A | Closed | FCRE7000 | 2025-05-27 15:33 | 2025-05-29 18:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received mortgage statement. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/27/2025 <br>Open-The most current mortgage statement for the subject property first lien was not identified in the file-only a copy of the note was provided. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/27/2025<br>| Resolved-Received mortgage statement. - Due Diligence Vendor-05/29/2025<br>| Verified employment history exceeds guidelines - B is 13 years on their current job, B2 23 years.<br>Months Reserves exceed minimum required - Zero months required, 78 months verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4248510 |
| XXXX | 619527 | XXXX D C A | Closed | FCRE1161 | 2025-05-27 12:52 | 2025-05-29 18:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/27/2025 <br>Open-Missing Flood Certificate The flood cert was not identified in the file. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/27/2025<br>| Resolved-Received flood cert. - Due Diligence Vendor-05/29/2025<br>| Verified employment history exceeds guidelines - B is 13 years on their current job, B2 23 years.<br>Months Reserves exceed minimum required - Zero months required, 78 months verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4245897 |
| XXXX | 658710 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 664346 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 637172 | XXXX C B A | Closed | FCRE1197 | 2025-06-09 10:58 | 2025-06-10 11:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors - Due Diligence Vendor-06/10/2025 <br>Open-Audited FICO of 658 is less than Guideline FICO of 660 Lender Exception Granted: Approved to allow a lower FICO of 658 at 65% LTV, when guideline minimum FICO is 660. - Due Diligence Vendor-06/09/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors - Due Diligence Vendor-06/10/2025<br>| CLTV is less than guidelines maximum - 60% CLTV; 65% max allowed<br>Months Reserves exceed minimum required - 25.85 mos reserves; 0 required<br>Verified employment history exceeds guidelines - 5+ years same employment.<br>Credit history exceeds minimum required - 24+ months of good mortgage history | 1. 5+ years same employment<br> 2. 24+ months of good mortgage history.<br> 3. 15 yrs on Job. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4380101 |
| XXXX | 616467 | XXXX C A | Closed | FCRE1510 | 2025-05-21 14:26 | 2025-05-28 12:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Exhibit A, legal description. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A legal, with matching APN, to be attached to Mortgage Deed. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/27/2025<br>| Resolved-Received Exhibit A, legal description. - Due Diligence Vendor-05/28/2025<br>| Credit history exceeds minimum required - Borrower has timely credit reporting since 2007, and 0X30 on mortgages since 2021.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.84%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4207965 |
| XXXX | 626730 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 637216 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 663498 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 635855 | XXXX C B A | Closed | FCRE1148 | 2025-06-06 12:22 | 2025-06-24 12:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Title Supplement provided but not sufficient coverage. Supplement reflects loan amount of XXXX - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025<br>| Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-06/24/2025<br>| Long term residence - At current residence over 8 years<br> LTV is less than guideline maximum - Guidelines allow LTV to 85%. Subject loan LTV is 75%.<br> Residual Income =/> 1.5 times XXXX monthly residual income - XXXX residual income. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4362707 |
| XXXX | 635855 | XXXX C B A | Closed | FCRE1506 | 2025-06-09 11:43 | 2025-06-24 12:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review originator provided a waiver for the DTI, meet guideline requirement. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Exception - Seller-06/22/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Lender 1008 does not included P&I for subject 1st lien. DTI exceeds 50% - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Please see attached Exception - Seller-06/22/2025<br>| Resolved-Upon further review originator provided a waiver for the DTI, meet guideline requirement. - Due Diligence Vendor-09/12/2025<br>| Long term residence - At current residence over 8 years<br> LTV is less than guideline maximum - Guidelines allow LTV to 85%. Subject loan LTV is 75%.<br> Residual Income =/> 1.5 times XXXX monthly residual income - XXXX residual income. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4381319 |
| XXXX | 635855 | XXXX C B A | Closed | finding-3652 | 2025-06-05 16:23 | 2025-06-24 10:37 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC XXXX - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached LE and CIC form evidencing the XXXX decrease tot he credits. We ask this condition be cleared - Seller-06/22/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). 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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please see attached LE and CIC form evidencing the XXXX decrease tot he credits. We ask this condition be cleared - Seller-06/22/2025 | Resolved-Received COC XXXX - Due Diligence Vendor-06/24/2025 | Long term residence - At current residence over 8 years<br> LTV is less than guideline maximum - Guidelines allow LTV to 85%. Subject loan LTV is 75%.<br> Residual Income =/> 1.5 times XXXX monthly residual income - XXXX residual income. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4351901 |
| XXXX | 635855 | XXXX C B A | Closed | FCRE1193 | 2025-06-06 13:19 | 2025-06-17 14:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator exception granted to allow DTI . Non-material waiver applied to finding with compensating factors. Consider non-material as DTI < 55%. - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. - Seller-06/14/2025 <br>Open-Audited DTI of 54.9% exceeds Guideline DTI of 50% Lender 1008 does not included P&I for subject 1st lien. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/14/2025<br>| Waived-Originator exception granted to allow DTI . Non-material waiver applied to finding with compensating factors. Consider non-material as DTI < 55%. - Due Diligence Vendor-06/17/2025<br>| Long term residence - At current residence over 8 years<br> LTV is less than guideline maximum - Guidelines allow LTV to 85%. Subject loan LTV is 75%.<br> Residual Income =/> 1.5 times XXXX monthly residual income - XXXX residual income. | 4+ years in primary residence<br> Qualifying FICO score is at least 20 points above minimum for program<br> CLTV is 5% less than guidelines maximum | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4363535 |
| XXXX | 627936 | XXXX C A | Closed | FPRO1253 | 2025-09-12 14:31 | 2025-09-12 14:31 | Waived | 3 - Material C | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025 |  | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 75%, subject CLTV 56.23%.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 703. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5520623 |
| XXXX | 645195 | XXXX C A | Closed | FCRE1510 | 2025-06-13 06:41 | 2025-06-20 09:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, the loan file contained all required security instrument documentation. - Due Diligence Vendor-06/20/2025 <br>Ready for Review-Disagree, no issue found due to DOT page 2 reflects legal description, verified legal with Prelim legal description. Also see your initial packet upload page 161. - Seller-06/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal, Exh A - Due Diligence Vendor-06/13/2025 | Ready for Review-Disagree, no issue found due to DOT page 2 reflects legal description, verified legal with Prelim legal description. Also see your initial packet upload page 161. - Seller-06/17/2025<br>| Resolved-Upon further review, the loan file contained all required security instrument documentation. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 46.82 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 25.62% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4437010 |
| XXXX | 632373 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 663092 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 616312 | XXXX D A | Closed | FCRE7497 | 2025-05-23 08:23 | 2025-05-28 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received clarification on property associated with HELOC and DTI adjusted. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Please note the HELOC was included in the DTI calculations. It is associated with XXXX property and the debt is showing under HELOC in section 2c of the 1003. - Seller-05/23/2025 <br> Open-Lender to confirm which property the HELOC with XXXX is tied to; will need to be added to DTI upon receipt. - Due Diligence Vendor-05/23/2025 | Ready for Review-Please note the HELOC was included in the DTI calculations. It is associated with XXXX property and the debt is showing under HELOC in section 2c of the 1003. - Seller-05/23/2025 | Resolved-Received clarification on property associated with HELOC and DTI adjusted. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower has 68.12 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 37.18% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4225879 |
| XXXX | 637014 | XXXX D B A C | Closed | finding-3515 | 2025-06-06 13:37 | 2025-06-24 10:31 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received disclosure tracking with corrected application date of XXXX. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Tracking evidencing our Application date was XXXX and the Initial Disclosures were sent on XXXX. Any LE prior to that would be from our broker to provide the Broker Fees to be included in our initial LE. We ask that this condition be cleared. - Seller-06/22/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ...Missing initial LE dated within 3 days of Application date (XXXX). Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date XXXX. [Doc Tracking has Application Date of XXXX, clarification of true Application Date required.]<br> - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Please see attached Disclosure Tracking evidencing our Application date was XXXX and the Initial Disclosures were sent on XXXX. Any LE prior to that would be from our broker to provide the Broker Fees to be included in our initial LE. We ask that this condition be cleared. - Seller-06/22/2025 | Resolved-Received disclosure tracking with corrected application date of XXXX. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 30.55% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 48 months, guides require only 0x30 x12 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4363836 |
| XXXX | 637014 | XXXX D B A C | Closed | finding-3635 | 2025-06-06 13:37 | 2025-06-24 10:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received disclosure tracking with corrected application date of XXXX. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Tracking evidencing our Application date was XXXX and the Initial Disclosures were sent on XXXX. Any LE prior to that would be from our broker to provide the Broker Fees to be included in our initial LE. We ask that this condition be cleared. - Seller-06/22/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ...Missing initial LE and SPL dated within 3 days of Application date (XXXX). Doc Tracking has Application Date of XXXX, clarification of true Application Date required.<br> - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Please see attached Disclosure Tracking evidencing our Application date was XXXX and the Initial Disclosures were sent on XXXX. Any LE prior to that would be from our broker to provide the Broker Fees to be included in our initial LE. We ask that this condition be cleared. - Seller-06/22/2025 | Resolved-Received disclosure tracking with corrected application date of XXXX. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 30.55% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 48 months, guides require only 0x30 x12 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4363837 |
| XXXX | 637014 | XXXX D B A C | Closed | finding-3367 | 2025-06-06 13:37 | 2025-06-24 10:31 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received disclosure tracking with corrected application date of XXXX. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Tracking evidencing our Application date was XXXX and the Initial Disclosures were sent on XXXX. Any LE prior to that would be from our broker to provide the Broker Fees to be included in our initial LE. We ask that this condition be cleared. - Seller-06/22/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. ...Homeownership Counseling Disclosure provided to borrower within three days of the application date is not in file. Provide List of 10 Counselors dated within 3 days of application date (XXXX). [Doc Tracking has Application Date of XXXX, HOC Disclosure dated XXXX in file, clarification of true Application Date required.] - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Please see attached Disclosure Tracking evidencing our Application date was XXXX and the Initial Disclosures were sent on XXXX. Any LE prior to that would be from our broker to provide the Broker Fees to be included in our initial LE. We ask that this condition be cleared. - Seller-06/22/2025 | Resolved-Received disclosure tracking with corrected application date of XXXX. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 30.55% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 48 months, guides require only 0x30 x12 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4363834 |
| XXXX | 637014 | XXXX D B A C | Closed | finding-3634 | 2025-06-06 13:37 | 2025-06-24 10:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received disclosure tracking with corrected application date of XXXX. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. - Seller-06/22/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ...Missing initial LE dated within 3 days of Application date (XXXX). Doc Tracking has Application Date of XXXX, clarification of true Application Date required. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/22/2025<br>| Resolved-Received disclosure tracking with corrected application date of XXXX. - Due Diligence Vendor-06/24/2025 | Qualifying DTI below maximum allowed - DTI of 30.55% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 48 months, guides require only 0x30 x12 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4363835 |
| XXXX | 637014 | XXXX D B A C | Closed | FCRE0044 | 2025-06-10 11:59 | 2025-06-13 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, new debt was added to the DTI prior to close. LOE not required. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-We respectfully disagree with the request for a new LOE. The new accounts were included in the DTI calculations. - Seller-06/11/2025 <br> Open-The borrower provided a letter of explanation stating "inquiries for Discover Financial XXXX was an pre approved card which I didn't accept." However, UDM on fraud report dated XXXX, reflects 2 new tradelines opened XXXX and XXXX, for XXXX- XXXX and XXXX. A new LOX for credit inquiries is required. - Due Diligence Vendor-06/10/2025 | Ready for Review-We respectfully disagree with the request for a new LOE. The new accounts were included in the DTI calculations. - Seller-06/11/2025<br>| Resolved-Upon further review, new debt was added to the DTI prior to close. LOE not required. - Due Diligence Vendor-06/13/2025<br>| Qualifying DTI below maximum allowed - DTI of 30.55% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 48 months, guides require only 0x30 x12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4396163 |
| XXXX | 637014 | XXXX D B A C | Closed | FCRE9549 | 2025-06-10 11:59 | 2025-06-13 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-Received documentation to support XXXX has been paid. Two new debts were added to the DTI prior to close. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree . The XXXX and XXXX new accounts were included in the DTI calculations. Also, please see attached XXXX statement reflecting paid current. - Seller-06/11/2025 <br> Open-Missing a credit supplement for the following credit issues prior to closing:<br> 1. Applicants with current credit delinquencies are ineligible. UDM on fraud report dated XXXX, reflects XXXX account is 60 days past due as of XXXX. The file is missing a credit supplement to verify the account is current prior to closing. Additional conditions may apply.<br> 2. UDM on fraud report dated XXXX reflects 2 new tradelines opened XXXX and XXXX, for XXXX and XXXX, with balances reported as of XXXX and XXXX. It should be noted that the borrower provided a letter of explanation stating "inquiries for XXXX was an pre approved card which I didn't accept." A credit supplement should have been obtained to verify minimum payments required. Additional conditions may apply.<br> 3. Per guides, If new credit was extended, borrower must provide documentation on the current balance and payment; based on the verification of all new debt/liabilities, the borrower should be qualified with the additional monthly payment. Documentation for the two new accounts, and specifically, verification of the minimum monthly payments for the new accounts, is required (and required to be included in the borrower's DTI ratio). Additional conditions may apply. - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. We respectfully disagree . The XXXX and XXXX new accounts were included in the DTI calculations. Also, please see attached XXXX statement reflecting paid current. - Seller-06/11/2025 | Resolved-Received documentation to support XXXX has been paid. Two new debts were added to the DTI prior to close. - Due Diligence Vendor-06/13/2025 | Qualifying DTI below maximum allowed - DTI of 30.55% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 48 months, guides require only 0x30 x12 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4396162 |
| XXXX | 637014 | XXXX D B A C | Closed | FCRE1510 | 2025-06-06 11:38 | 2025-06-12 16:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-06/12/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description (Exhibit A) attached to mortgage. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/11/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 30.55% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 48 months, guides require only 0x30 x12 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4362074 |
| XXXX | 637014 | XXXX D B A C | Closed | FCOM1302 | 2025-06-06 13:30 | 2025-06-06 13:31 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '13'). Originator waiver applied to non-material findings. - Due Diligence Vendor-06/06/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '13'). Originator waiver applied to non-material findings. - Due Diligence Vendor-06/06/2025<br>| Qualifying DTI below maximum allowed - DTI of 30.55% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 48 months, guides require only 0x30 x12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4363715 |
| XXXX | 642157 | XXXX D A | Closed | FCRE3653 | 2025-06-13 10:35 | 2025-06-20 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, the loan file contains sufficient documentation regarding the occupancy. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Please note that the borrower XXXX is the secondary owner of record for XXXX and not the primary owner. The primary owner can have a homeowner's exemption and an LOE for this matter is not required. - Seller-06/18/2025 <br> Open-The 1008 reflects borrower 2 is a non-occupant borrower, which is not allowed per guidelines. A corrected 1003 and LOX was provided stating the occupancy was a mistake. A letter of explanation was not provided for the co-borrower having a homeowner's exemption on the investment property (p. 207). - Due Diligence Vendor-06/13/2025 | Ready for Review-Please note that the borrower XXXX is the secondary owner of record for XXXX and not the primary owner. The primary owner can have a homeowner's exemption and an LOE for this matter is not required. - Seller-06/18/2025 | Resolved-Upon further review, the loan file contains sufficient documentation regarding the occupancy. - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 51.21 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39.97% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4439613 |
| XXXX | 642157 | XXXX D A | Closed | FPRO1242 | 2025-06-12 12:40 | 2025-06-17 14:35 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025 <br>Open-Appraisal is Missing Appraisal not found in uploaded documents - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025<br>| Resolved-Received appraisal - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 51.21 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39.97% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4426874 |
| XXXX | 642157 | XXXX D A | Closed | FCRE1148 | 2025-06-13 13:24 | 2025-06-17 14:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Supplement w/sufficient coverage. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Amount of coverage of XXXX is less than the Loan Amount of XXXX. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/16/2025<br>| Resolved-Received Title Supplement w/sufficient coverage. - Due Diligence Vendor-06/17/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 51.21 documented<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39.97% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4442987 |
| XXXX | 650747 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 672877 | XXXX C B A | Closed | FCRE2840 | 2025-07-11 11:20 | 2025-07-11 14:41 | Waived | 2 - Non-Material C B | Credit | Debt | Subordinate lien does not meet guideline requirements | Waived-Originator exception granted to allow subordinate solar 3rd lien, Non-material waiver applied with comp factors. non-material due to no payments due,. CLTV meets maximum - Due Diligence Vendor-07/11/2025 <br>Open-Lender Exception: Approved to subordinate solar lien to 3rd position, current guides do not allow for subordination. - Due Diligence Vendor-07/11/2025 |  | Waived-Originator exception granted to allow subordinate solar 3rd lien, Non-material waiver applied with comp factors. non-material due to no payments due,. CLTV meets maximum - Due Diligence Vendor-07/11/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 34.53%.<br> Credit history exceeds minimum required - 0X30 mortgage history reporting on subject primary 1st lien since XXXX. | 1. Guideline update.<br> 2. DTI is over 5% below max allowed.<br> 3. 0X30 mtg history.<br> 4. 13 years on job. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4786630 |
| XXXX | 672877 | XXXX C B A | Closed | FCRE8201 | 2025-07-11 11:22 | 2025-07-11 14:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow waiving of the business license, Non-material waiver applied with comp factors. non-material due to verified business through third party, verified the business does not need a license to operate. - Due Diligence Vendor-07/11/2025 <br>Open-Lender Exception Granted: Approved to not provide business license, guides require business license. - Due Diligence Vendor-07/11/2025 |  | Waived-Originator exception granted to allow waiving of the business license, Non-material waiver applied with comp factors. non-material due to verified business through third party, verified the business does not need a license to operate. - Due Diligence Vendor-07/11/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 34.53%.<br> Credit history exceeds minimum required - 0X30 mortgage history reporting on subject primary 1st lien since XXXX. | 1. DTI is over 5% below max allowed.<br> 2. 0X30 mtg history.<br> 3. 13 years on job.<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4786708 |
| XXXX | 639121 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 635881 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 648653 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 670657 | XXXX C B A | Closed | FCRE0113 | 2025-07-09 14:59 | 2025-07-10 11:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator exception granted to allow exterior inspection in lieu of AVM and property inspection report. Non-material waiver applied with comp factors. Deemed non-material due to exterior inspection is a more through valuation which includes exterior inspection.<br> - Due Diligence Vendor-07/10/2025 <br>Open-Exterior appraisal (2055) performed, current guides require AVM and property inspection report.<br> - Due Diligence Vendor-07/09/2025 |  | Waived-Originator exception granted to allow exterior inspection in lieu of AVM and property inspection report. Non-material waiver applied with comp factors. Deemed non-material due to exterior inspection is a more through valuation which includes exterior inspection.<br> - Due Diligence Vendor-07/10/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.27%.<br>Credit history exceeds minimum required - 0X30 mortgage history 24 months. | 1. 0X30 mortgage history 24 months<br> 2. 4+ years self employed<br> 3. DTI 5% below max |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4754154 |
| XXXX | 651180 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 660572 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 660585 | XXXX C A | Closed | FPRO1253 | 2025-06-27 11:27 | 2025-09-12 14:34 | Waived | 3 - Material C | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025 |  | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 42.04% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 42 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4586563 |
| XXXX | 642848 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 650723 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 665751 | XXXX C A | Closed | finding-3625 | 2025-07-02 10:47 | 2025-07-09 07:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX, Section B fees paid to other. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-07/08/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Credit Report fee in section B is payable to Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. SOL 3 years, expirattion date XXXX - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-07/08/2025<br>| Resolved-Received PCCD XXXX, Section B fees paid to other. - Due Diligence Vendor-07/09/2025 | CLTV is less than guidelines maximum - Lender max CLTV is 80%, subject CLTV is 71.84%<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 41.42%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4630118 |
| XXXX | 661417 | XXXX C B A | Closed | FCRE1440 | 2025-06-30 09:57 | 2025-06-30 10:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow Private Mortgage VOM without the required 6 months cancelled checks, Non-material waiver applied with comp factors. non-material due to VOM provided, Mortgages on credit reporting for 37 and 69 months with 0 lates. - Due Diligence Vendor-06/30/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Lender exception approved to proceed with Private Mortgage VOM without the required 6 months cancelled checks required by guidelines. - Due Diligence Vendor-06/30/2025 |  | Waived-Originator exception granted to allow Private Mortgage VOM without the required 6 months cancelled checks, Non-material waiver applied with comp factors. non-material due to VOM provided, Mortgages on credit reporting for 37 and 69 months with 0 lates. - Due Diligence Vendor-06/30/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 75%, subject CLTV 63.93%.<br>Verified employment history exceeds guidelines - Borrower is verified self-employed, in the same business for 9 years. | CLTV is 5% less than guideline maximum<br> 9 years in self employed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4600721 |
| XXXX | 646756 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 652343 | XXXX C B A | Closed | finding-3634 | 2025-06-23 13:21 | 2025-07-16 11:00 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX, copy of check, LOX and evidence of receipt. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE and PCCD. Check for XXXX Tolerance Cure has been issued. - Seller-07/14/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ...Zero (0%) tolerance fees increased by XXXX (Appraisal Desk Review Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations is 3 years, expires XXXX. Reimbursement of XXXX on Final CD XXXX for increase in closing costs above legal limit is not sufficient.<br> - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE and PCCD. Check for XXXX Tolerance Cure has been issued. - Seller-07/14/2025 | Cured-Received PCCD XXXX, copy of check, LOX and evidence of receipt. - Due Diligence Vendor-07/16/2025 | Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower's reserves 22.52 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 724 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4530121 |
| XXXX | 665802 | XXXX C B A | Closed | FPRO1253 | 2025-07-03 10:03 | 2025-09-12 14:36 | Waived | 3 - Material C | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025 |  | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 767.<br> Credit history exceeds minimum required - Borrower has 0X30 mortgage history reporting since XXXX |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4649644 |
| XXXX | 665802 | XXXX C B A | Closed | FCRE8201 | 2025-07-03 10:34 | 2025-07-03 11:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/03/2025 <br> Open-Lender Exception Approved: Approved to waive 6 months cancelled check requirement for VOM from Private Party. Non-Material. Have VOM 0x30 since originated in XXXX.<br> - Due Diligence Vendor-07/03/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 767.<br> Credit history exceeds minimum required - Borrower has 0X30 mortgage history reporting since XXXX | 1. FICO 20 points higher than minimum.<br> 2. 4+ yrs self employed.<br> 3. 0X30 mortgage history for 24 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4650926 |
| XXXX | 668487 | XXXX C A | Closed | FPRO1253 | 2025-07-09 11:18 | 2025-09-12 14:36 | Waived | 3 - Material C | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025 |  | Waived--Secondary product was not obtained and is an S&P grade C. - Due Diligence Vendor-09/12/2025<br>| LTV is less than guideline maximum - Max LTV is 65%, borrowers LTV is 57.03%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4749216 |
| XXXX | 666044 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 664686 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 666047 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 663080 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 661460 | XXXX D A C | Closed | FCRE1510 | 2025-06-30 10:55 | 2025-07-03 14:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, legal was located in the loan file. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. Please clear finding, Legal description was provided at time of initial upload, please see exhibit A form page 823 with legal description (matching title / prelim). Also, please see attached additional copy - Seller-07/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Please clear finding, Legal description was provided at time of initial upload, please see exhibit A form page 823 with legal description (matching title / prelim). Also, please see attached additional copy - Seller-07/01/2025 | Resolved-Upon further review, legal was located in the loan file. - Due Diligence Vendor-07/03/2025<br>| CLTV is less than guidelines maximum - Guidelines allow CLTV to 80%. Subject loan LTV is 40.1%.<br>Qualifying DTI below maximum allowed - DTI of 39.48% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 27 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4601796 |
| XXXX | 661460 | XXXX D A C | Closed | FPRO1242 | 2025-06-30 08:26 | 2025-07-03 14:37 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached the XXXX Full Appraisal copy. Please clear, Thank you - Seller-07/01/2025 <br> Open-Appraisal is Missing Loan file contained CDA and CU for subject property. Missing appraisal with effective date XXXX with value of XXXX. Additional conditions may apply. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. Please see attached the XXXX Full Appraisal copy. Please clear, Thank you - Seller-07/01/2025 | Resolved-Received Appraisal - Due Diligence Vendor-07/03/2025<br>| CLTV is less than guidelines maximum - Guidelines allow CLTV to 80%. Subject loan LTV is 40.1%.<br>Qualifying DTI below maximum allowed - DTI of 39.48% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 27 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4599573 |
| XXXX | 664700 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 673923 | XXXX C A | Closed | FCRE9999 | 2025-07-18 07:14 | 2025-07-18 07:16 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Document Uploaded. Client provided documents reflecting taxes paid, condition resolved. - Due Diligence Vendor-07/18/2025 <br> Open-Tax Cert reflects taxes due for XXXX however final CD does not show them being paid at closing - Due Diligence Vendor-07/18/2025 |  | Resolved-Document Uploaded. Client provided documents reflecting taxes paid, condition resolved. - Due Diligence Vendor-07/18/2025<br>| CLTV is less than guidelines maximum - 53.33% CLTV ratio, 75% maximum CLTV allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 660 is minimum FICO score, borrowers mid score is 713 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4864186 |
| XXXX | 665360 | XXXX C B A | Closed | FCRE0969 | 2025-07-03 12:22 | 2025-07-25 10:36 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025 <br> Counter-Per XXXX, a PPP can only be applied to loans closing in a C-Corp or S-Corp specifically. An LLC or individual cannot be assessed a PPP. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Please escalate to supervisor and see previous guidance:<br> - Tenant User 3 - Material<br> XXXX (PDT)<br> Resolved<br> Prepayment penalty is allowable on loan vested in business entity with no restrictions<br> - Seller-07/15/2025 <br> Counter-Documentation is insufficient-finding remains. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Disagree - Please see attached Mortgage deed with the Vesting reflecting as not in an individual but as "XXXX" - Seller-07/10/2025 <br> Counter-Note completed as individuals-original finding remains. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-The following state restrictions apply for: Prepayment penalties are not allowed on loans vested to individuals in XX. Does not apply on subject loan, the subject loan is vested into a LLC and not an individual. - Seller-07/03/2025 <br> Open-Fixed Rate when closing in LLC or as individual, permitted if interest rate is equal to or less than 6%. Provide exception. - Due Diligence Vendor-07/03/2025 | Ready for Review-Please escalate to supervisor and see previous guidance:<br> - Tenant User 3 - Material<br> 7/8/25, 12:14 PM (PDT)<br> Resolved<br> Prepayment penalty is allowable on loan vested in business entity with no restrictions<br> - Seller-07/15/2025 <br> Ready for Review-Document Uploaded. Disagree - Please see attached Mortgage deed with the Vesting reflecting as not in an individual but as "XXXX, a XXXX limited liability company" - Seller-07/10/2025 <br> Ready for Review-The following state restrictions apply for: Prepayment penalties are not allowed on loans vested to individuals in XXXX. Does not apply on subject loan, the subject loan is vested into a LLC and not an individual. - Seller-07/03/2025 | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 778<br>Months Reserves exceed minimum required - 0 mths reservs req'd- Borrower has 22.89 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 4653352 |
| XXXX | 665360 | XXXX C B A | Closed | FCRE2244 | 2025-07-03 07:50 | 2025-07-03 09:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted to allow for - property was listed for sale in the last 6 months. Non-material waiver applied to finding with compensating factors.<br> Experienced Investor. - Due Diligence Vendor-07/03/2025 <br> Open-Exception request: To allow for a property that was listed for sale in the last 6 months. - Due Diligence Vendor-07/03/2025 |  | Waived-Originator exception granted to allow for - property was listed for sale in the last 6 months. Non-material waiver applied to finding with compensating factors.<br> Experienced Investor. - Due Diligence Vendor-07/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 778<br>Months Reserves exceed minimum required - 0 mths reservs req'd- Borrower has 22.89 mths in reserves | - 24+ months of mortgage history<br> - 24+ months of clean credit |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4647949 |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| XXXX | 565399 | XXXX | XXXX A | N/A D | N/A | A | A | N/A D | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 549317 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 535500 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 580688 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 561521 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 566301 | XXXX | XXXX A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 578068 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 613042 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 565529 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 561531 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 571859 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 563853 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 582580 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 578114 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 577106 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 574919 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 599283 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 562898 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 616461 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 575006 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 574966 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 624818 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 606343 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 573581 | XXXX | XXXX C | N/A C | N/A | C | C | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 587956 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 620905 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 609356 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 587976 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 571278 | XXXX | XXXX A | N/A | N/A | C | C | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 623008 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 579365 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 585974 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 584686 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 624468 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 599446 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 600592 | XXXX | XXXX C | N/A B | N/A | A | A | N/A C B | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 623019 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 617582 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 612888 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 623022 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 609125 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 592169 | XXXX | XXXX A | N/A | N/A | C | C | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 645731 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 612572 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 596085 | XXXX | XXXX A | N/A C | N/A | A | A | N/A C | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 634255 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 645727 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 609394 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 642893 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 592614 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 602714 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 602543 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 609793 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 605527 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 643455 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 642798 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 632297 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A C | N/A C B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 622811 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 660480 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 603943 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 619527 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 658710 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 664346 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 637172 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 616467 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 626730 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 637216 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 663498 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 635855 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 627936 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 645195 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 632373 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 663092 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 616312 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 637014 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 642157 | XXXX | XXXX D | N/A D | N/A | D | D | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 650747 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 672877 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 639121 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 635881 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 648653 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 670657 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 651180 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 660572 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 660585 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 642848 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 650723 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 665751 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 661417 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 646756 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 652343 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 665802 | XXXX | XXXX B | N/A B | N/A | N/A | N/A | N/A C B | N/A C B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 668487 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 666044 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 664686 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 666047 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 663080 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 661460 | XXXX | XXXX C | N/A C | N/A | D | D | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 664700 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 673923 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 665360 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction 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** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **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** | **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** | **Completion Report (1004D) 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** |
| XXXX | 535500 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 27.25 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 549317 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.83 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 561521 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.76 | 72.67 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 561531 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.76 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 562898 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.86 | 56.73 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible |  |  |
| XXXX | 563853 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 25.13 | 69.85 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 565399 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.78 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 565529 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 14.49 | 59.55 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 566301 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.99 | 62.89 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 571278 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.7 | 74.95 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 571859 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 33.67 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 573581 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.35 | 69.97 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | 574919 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.17 | 42.86 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 574966 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.5 | 54.17 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 575006 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.08 | 66.16 | XXXX | XXXX | -.0931 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0931 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 577106 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.8 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 578068 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.35 | 57.79 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 578114 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.9 | 71.34 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 579365 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.06 | 65.54 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 580688 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.26 | 69.48 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 582580 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.4 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 584686 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.58 | 79.41 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 585974 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.58 | 62.75 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 587956 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 8.96 | 24.63 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 587976 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.66 | 76.52 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 592169 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.89 | 79.58 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 592614 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 69.24 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 596085 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.83 | 47.9 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 599283 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.63 | 64.88 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 599446 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.88 | 79.61 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 600592 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 41.71 | 69.97 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 602543 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.77 | 33.35 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 602714 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.43 | 49.13 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 603943 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.8 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 605527 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.0 | 77.2 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 606343 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.69 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 609125 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 33.65 | 61.39 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 609356 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.58 | 38.06 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 609394 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | 609793 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.0 | 87.98 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 612572 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.34 | 60.01 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 612888 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 49.43 | 74.41 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 613042 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.23 | 79.89 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 616312 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.21 | 69.74 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 616461 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.54 | 61.45 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 616467 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.75 | 74.95 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | 617582 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.38 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 619527 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 19.59 | 74.94 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 620905 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.99 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 622811 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.9 | 79.93 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 623008 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 33.33 | 55.41 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 623019 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.7 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 623022 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.11 | 59.76 | XXXX | XXXX | -.0972 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0972 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | 624468 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.54 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 624818 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.95 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 626730 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.58 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 627936 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 18.17 | 56.28 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 632297 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 40.98 | 73.82 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 632373 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.21 | 64.61 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 634255 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.91 | 79.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 635855 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.63 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 635881 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.33 | 40.16 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 637014 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 46.82 | 64.63 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 637172 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.51 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 637216 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.0 | 43.28 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 639121 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 33.93 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 642157 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.5 | 64.83 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 642798 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.61 | 57.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 642848 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.07 | 74.61 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 642893 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.97 | 55.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 643455 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.57 | 78.16 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 645195 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.17 | 74.18 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 645727 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.0 | 78.16 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 645731 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.71 | 68.6 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 646756 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.3 | 59.97 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 648653 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.73 | 52.11 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 650723 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 41.67 | 56.26 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 650747 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.81 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 651180 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.14 | 79.96 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 652343 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 13.74 | 68.34 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 658710 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.03 | 73.14 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 660480 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.78 | 79.95 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 660572 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.38 | 74.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 660585 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.18 | 79.4 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 661417 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.22 | 63.93 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2 | XXXX |
| XXXX | 661460 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.74 | 40.1 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 663080 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.81 | 71.3 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 663092 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.19 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 663498 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.81 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 664346 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.93 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 664686 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.64 | 56.52 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 664700 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.41 | 46.71 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 665360 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.65 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 665751 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.42 | 71.84 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 665802 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.38 | 65.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 666044 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.99 | 84.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 666047 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.15 | 79.57 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 668487 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 16.53 | 57.03 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 670657 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 16.26 | 57.91 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 672877 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.23 | 66.28 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 673923 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.81 | 55.33 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 535500 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 7000 | Appraisal - 1025 |  | N/A |  |  | 7000 | Appraisal - 1025 | No | 67.17 | 0 | 0 | 4701.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7000 |  |  |  |  |  |  |  | No | 3.3 | 1 | 1 | N/A | 45.23 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 561531 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 125.28 | 0 | 0 | 4635.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 24.62 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 563853 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 2567.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 5.8 | 1 | 1 | N/A | 92.58 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 571859 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 4000 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 246.14 | 0 | 0 | 9845.74 | 4000 | 03-31-2026 | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4000 |  |  |  |  |  |  |  | No | 5.6 | 1 | 1 | N/A | 53.3 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 574966 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 20000 | Appraisal - 1007 |  | N/A |  |  | 20000 | Appraisal - 1007 | No | 42.55 | 0 | 0 | 8510.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 20000 |  |  |  |  |  |  |  | No | 7.2 | 1 | 1 | N/A | 81.33 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 575006 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 6668.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 4.1 | 2 | 1 | N/A | 41.82 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 587956 | XXXX | XXXX | XXXX | 2YR Business P&L | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 23369.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 4.4 | 1 | 1 | N/A | 0 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 596085 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 5500 | Appraisal - 1007 |  | N/A |  |  | 5500 | Appraisal - 1007 | No | 95.84 | 0 | 0 | 5271.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5500 |  |  |  |  |  |  |  | No | 9 | 1 | 1 | N/A | 0 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 600592 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7600 | Appraisal - 1025 |  | N/A |  |  | 7600 | Appraisal - 1025 | No | 91.17 | 1.092 | 1.097 | 6928.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7600 |  |  |  |  |  |  |  | No | 5.9 | 1 | 1 | N/A | 60.14 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 612572 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7800 | 7950 | Appraisal - 1007 |  | N/A |  |  | 7800 | Actual In Place Rent | No | 96.95 | 1.031 | 1.031 | 7562.03 | 7800 | 04-01-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7800 |  |  |  |  |  |  |  | No | 4.1 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 613042 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6600 | 6650 | Appraisal - 1007 |  | N/A |  |  | 6600 | Actual In Place Rent | No | 86.92 | 1.15 | 1.151 | 5736.46 | 6600 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 6600 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 30.58 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 616312 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 4167 | 5400 | Appraisal - 1007 |  | N/A |  |  | 4167 | Actual In Place Rent | No | 185.43 | 0 | 0 | 7726.77 | 4167 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4167 |  |  |  |  |  |  |  | No | 4.7 | 1 | 1 | N/A | 67.79 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 617582 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6495 | 6300 | Appraisal - 1007 |  | N/A |  |  | 6300 | Appraisal - 1007 | No | 99.53 | 1.005 | 1.005 | 6270.15 | 6495 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 6300 |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 25.63 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 619527 | XXXX | XXXX | XXXX | 2YR Full Doc | N/A | No | 0 | 0 | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 4139.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 3.9 | 2 | 1 | N/A | 78.48 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 623008 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 12600 | 12300 | Appraisal - 1025 |  | N/A |  |  | 12300 | Appraisal - 1025 | No | 75.21 | 1.33 | 1.33 | 9250.95 | 3500 | 02-28-2026 | 24 | 2100 | 07-29-2026 | 24 | 3500 | 10-31-2026 | 24 | 3500 | 02-28-2026 | 24 |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 12300 |  |  |  |  |  |  |  | No | 4.4 | 1 | 1 | N/A | 17.9 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 624818 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | Yes | 6300 | 5100 | Appraisal - 1007 |  | N/A |  |  | 5100 | Appraisal - 1007 | No | 121.77 | 0 | 0 | 6210.45 | 6300 | 02-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 5100 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 18.24 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 626730 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2000 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2000 | Actual In Place Rent | No | 129.13 | 0 | 0 | 2582.61 | 2000 | 03-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 4.5 | 1 | 1 | N/A | 51.96 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 627936 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 86.91 | 1.151 | 1.151 | 2433.53 | 2800 | 05-27-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 632297 | XXXX | XXXX | XXXX | 1YR Full Doc | Present | Yes | 6725 | 6900 | Appraisal - 1025 |  | N/A |  |  | 6725 | Actual In Place Rent | No | 103.73 | 0 | 0 | 6976.02 | 2300 | 05-29-2025 | 1 | 2300 | 05-29-2025 | 1 | 2125 | 05-29-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6725 |  |  |  |  |  |  |  | No | 3.4 | 2 | 1 | N/A | 0 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 635881 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 10000 | 10000 | Appraisal - 1007 |  | N/A |  |  | 10000 | Appraisal - 1007 | No | 99.95 | 1 | 1 | 9995.33 | 10000 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 10000 |  |  |  |  |  |  |  | No | 4.9 | 1 | 1 | N/A | 15.45 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 639121 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3350 | 3050 | Appraisal - 1025 |  | N/A |  |  | 3050 | Appraisal - 1025 | No | 71.33 | 1.08 | 1.402 | 2175.69 | 1850 | 09-01-2025 | 12 | 1500 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3050 |  |  |  |  |  |  |  | No | 3.7 | 1 | 1 | N/A | 39.81 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 642848 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 99.99 | 1 | 1 | 3499.66 | 3500 | 11-30-2025 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 3.7 | 1 | 1 | N/A | 41 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 646756 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 6500 | Appraisal - 1007 |  | N/A |  |  | 6500 | Appraisal - 1007 | No | 124.63 | 0 | 0 | 8101.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6500 |  |  |  |  |  |  |  | No | 15.4 | 1 | 1 | N/A | 65.54 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 663498 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | Yes | 3500 | 6200 | Appraisal - 1007 |  | N/A |  |  | 3500 | Actual In Place Rent | No | 163.91 | 0 | 0 | 5736.98 | 3500 | 06-25-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 4.2 | 1 | 1 | N/A | 14.75 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 664686 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 4800 | Appraisal - 1007 |  | N/A |  |  | 4800 | Appraisal - 1007 | No | 94.91 | 0 | 0 | 4555.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4800 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 14.67 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 665360 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3650 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 95.45 | 1.048 | 1.048 | 3531.83 | 3650 | 06-26-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3700 |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 27.08 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| XXXX | 670657 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 5064.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 16.9 | 1 | 1 | N/A | 0 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

Executive Summary<br> DRMT 2025-CES1

&nbsp;&nbsp;&nbsp;&nbsp;(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by one Seller and acquired directly (or indirectly) by Pretium Residential Credit Management, LLC and/or its affiliates through Reliance Letters. The loan reviews were conducted from March 2025 through June 2025.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number of Assets.

There are 8 assets in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review Process.

The post-closing loan review was graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;DBRS Morningstar Publishes Updated Third-Party Due- Diligence Criteria for U.S. RMBS Transactions dated September 30, 2024 |

---

The post-closing review included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

&nbsp;&nbsp;&nbsp;&nbsp;(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 8 mortgage loans with an aggregate original principal balance of approximately $2,336,132. The mortgage loans originated from March 2025 through June 2025 by five correspondent Sellers.

&nbsp;&nbsp;&nbsp;&nbsp;(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

Page 1 of 10

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to service coverage ratio requirements.

Page 2 of 10

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology**

CRES reviews on consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that certain loans may be classified as "business purpose". In such cases certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

*CRES utilizes a third-party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third-party compliance software:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

Page 3 of 10

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR §1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

Page 4 of 10

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state license-based consumer lending and licensing laws and regulations tests were also completed using the third-party compliance software.

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 3.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories: (i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition (iii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iv) QM/GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (v) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (vi) Non- QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (vii) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Loans in the population were reviewed to the new General QM requirements.

Page 5 of 10

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7 | &nbsp;&nbsp;&nbsp;87.50% |

---

 

**Document Review**

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; · Asset documentation.<br> · Business Purpose Certification (if applicable) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Changed circumstance documentation. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit report. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FACTA disclosures. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final 1003. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1/Closing Disclosure(s). |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Hazard and/or flood insurance policies. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· HUD from sale of previous residence. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership counseling organizations disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Income and employment documentation. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial and final GFE's. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial application (1003). |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial escrow disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; · Initial TIL.<br> · Leases |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; · Loan Estimate(s).<br> · Market Rent supporting documentation |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Insurance. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage/Deed of Trust. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Special Flood Hazards. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales contract. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Service Providers. |

---

Page 6 of 10

&nbsp;&nbsp;&nbsp;&nbsp;(6) Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;QM Type |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;P&I Payment |  |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;LTV | &nbsp;&nbsp;Property City | |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State | |

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 8 mortgage loans reviewed, four unique mortgage loans had a tape discrepancy across 21 data fields. The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data were not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;7 | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;7 | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |

---

Page 7 of 10

&nbsp;&nbsp;&nbsp;&nbsp;(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 87.50% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "B" or higher and 75.00% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 62.50% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

Page 8 of 10

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**8** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**8** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7 | 87.50% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 12.50% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**8** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 | 100.00% |
| &nbsp;&nbsp;**Rate Term Refi** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**8** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;2 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;**Co-op** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;7 | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**One loan in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | &nbsp;&nbsp;**One loan in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | &nbsp;&nbsp;**One loan in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**<0 or** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0-0.1999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.2-0.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.4-0.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.6-0.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.8-.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**1-1.1999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**1.2-1.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**1.4-1.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**1.6-1.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**1.8-1.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**=>2** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**CA** | &nbsp;&nbsp;5 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;**MT** | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;**NY** | &nbsp;&nbsp;2 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

Page 10 of 10

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXX | 5853973 | 38 | 41.95 | DTI | 3.95 | Yes |
| XXXXXXXXXX | 5853967 | 18.18 | 14.8148 | LTV | -3.3652 | Yes |
| XXXXXXXXXX | 5853950 | 72.58 | 71.227 | CLTV | -1.353 | Yes |
| XXXXXXXXXX | 5853967 | 52.85 | 43.011 | CLTV | -9.839 | Yes |
| XXXXXXXXXX | 5853967 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 5853950 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 5853964 | 778 | 779 | FICO | 1 | Yes |
| XXXXXXXXXX | 5853967 | 751 | 805 | FICO | 54 | Yes |
| XXXXXXXXXX | 5853950 | XXXXXXXXXX | XXXXXXXXXX | Property City | Yes | Yes |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

**Rating Agency Grades: 10/28/2025**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXX | 5853963 | XXXXXXXXX A |
| XXXXXXXXX | 5853964 | XXXXXXXXX A C B |
| XXXXXXXXX | 5853967 | XXXXXXXXX A C D B |
| XXXXXXXXX | 5853969 | XXXXXXXXX C A B |
| XXXXXXXXX | 5853970 | XXXXXXXXX C A |
| XXXXXXXXX | 5853971 | XXXXXXXXX C A |
| XXXXXXXXX | 5853950 | XXXXXXXXX A |
| XXXXXXXXX | 5853973 | XXXXXXXXX C A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

**Rating Agency Exceptions Report: 10/28/2025**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXXX | 5853964 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 7.62 |  | 779 | 32.26% | XXXXXXXXXX | 301603 | Property | Appraisal | Appraisal was completed subject to completion/ repairs, however, the final inspection showing the repairs have been completed is missing from the loan file. | 6/18/2025: Post closing 442 provided to cure. |  | Cleared Exception B | 2 |
| XXXXXXXXXX | 5853967 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Two-Unit Property | 44.3 |  | 805 | 14.81% | XXXXXXXXXX | 301808 | Compliance | Right of Rescission | This loan failed the TILA right of rescission test. The rescission period ended on XXXX which is after the disbursement date of XXXX from the final CD. | 6/16/2025: The final CD in file indicates the disbursement date as XXXX. Provide an updated CD with the correct disbursement date.<br> 6/18/2025: Document provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXX | 5853967 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Two-Unit Property | 44.3 |  | 805 | 14.81% | XXXXXXXXXX | 301873 | Property | Appraisal | Per guidelines the minimum square footage per unit is XXXX sf. Unit XXXX is XXXX sf; an exception for being below the minimum requirement is missing from the loan file. | 06/02/25: An exception was approved for the guideline deviation. | Months Of Reserves - XXXX months reserves, CLTV - 43.01% CLTV, Credit Score - 805 score | Client Accepted D B | 2 |
| XXXXXXXXXX | 5853969 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 2.202 | 777 | 14.08% | XXXXXXXXXX | 301529 | Credit | VOM | The Verification of Rent (VOR) for the borrowers primary residence is missing from the loan file. | 05/12/25: Documentation provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 5853969 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 2.202 | 777 | 14.08% | XXXXXXXXXX | 301534 | Credit | Note | The first lien Note is missing from loan file. | 5/12: Per guidelines, 1st lien XXXX transactions are ineligible 1st liens. Provide an XXXX approved exception.<br> 05/20/25: An exception was approved for the guideline deviation. | Credit Score - 777 qualifying score is 10+ points > requirement. , CLTV - 68.54% CLTV is low. | Client Accepted B | 2 |
| XXXXXXXXXX | 5853969 | XXXXXXXXXX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 2.202 | 777 | 14.08% | XXXXXXXXXX | 301550 | Credit | Credit | No open and active mortgages reporting on credit will require a pre-approval. | 05/07/25: A pre-approval was provided for the housing history. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | 5853970 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 40.3 |  | 743 | 21.43% | XXXXXXXXXX | 302336 | Credit | Homeownership counseling | The Home Counseling Disclosure is missing from the file. | 6/16/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 5853970 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 40.3 |  | 743 | 21.43% | XXXXXXXXXX | 302342 | Compliance | Other | The Written List of Service Providers is missing from the file. | 6/16/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 5853971 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Condo Attached | 38 |  | 784 | 24.66% | XXXXXXXXXX | 301656 | Credit | Employment | A signed business narrative including details regarding the industry, size and operating profile of the business addressing location, rent, number of employees and physical assets, is missing from the loan file. | 05/14/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 5853971 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Condo Attached | 38 |  | 784 | 24.66% | XXXXXXXXXX | 301657 | Credit | Employment | Documentation that the borrower is at least XXXX% owner of the business by provided a CPA letter, tax preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage, is missing from the loan file. | 05/14/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 5853971 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Condo Attached | 38 |  | 784 | 24.66% | XXXXXXXXXX | 301659 | Credit | Employment-Self Employment | An internet search of the borrower's business Booking XXXX, that matches the business narrative is missing from the loan file. | 05/14/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 5853971 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Condo Attached | 38 |  | 784 | 24.66% | XXXXXXXXXX | 301660 | Credit | Credit - Eligiblity | There is no indication in the loan file stating whether the Condo is Warrantable or Non-Warrantable. | 5/14: Questionnaire provided does not attest to warrantability. UW attestation clearly stating whether the project is warrantable or non-warrantable must be delivered with the file (A comment on the 1008 suffices) .<br> 5/18/2025: Lender verified the condo qualified for limited review. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 5853971 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Condo Attached | 38 |  | 784 | 24.66% | XXXXXXXXXX | 301661 | Credit | Credit - Eligiblity | The mortgage statement, taxes and insurance statements for the investment property XXXX., is missing from the loan file. | 05/14/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | 5853973 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | PUD | 42 |  | 720 | 24.35% | XXXXXXXXXX | 302437 | Credit | Credit - Eligiblity | The Hazard Insurance policy premium and Tax statement for the investment property at XXXX. is missing from the loan file. | 6/21/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| **6** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | 5853963 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 31.6 |  | 708 | 11.11% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXX | 5853950 | XXXXXXXXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | 23.7 |  | 751 | 18.69% | XXXXXXXXXX |  |  |  |  |  |  | A |  |
| **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXXX | 5853963 | XX/XX/XXXX | XXXXXXXXX | 11.11% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 5853964 | XX/XX/XXXX | XXXXXXXXX | 32.26% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 5853967 | XX/XX/XXXX | XXXXXXXXX | 14.81% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 5853969 | XX/XX/XXXX | XXXXXXXXX | 14.08% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 5853970 | XX/XX/XXXX | XXXXXXXXX | 21.43% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 5853971 | XX/XX/XXXX | XXXXXXXXX | 24.66% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.2 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 5853950 | XX/XX/XXXX | XXXXXXXXX | 18.69% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 5853973 | XX/XX/XXXX | XXXXXXXXX | 24.35% | Appraised Value |  | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.3 Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Number2** | **Doc Type** | **Property ID** | **Rent On Lease if applicable** | **Rent On Appraisal if applicable** | **Source Lease or Appraisal** | **Used for DSCR** | **DSCR** | **PITI** | **Short Term Rental Flag** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Year Built** | **Square Footage** | **Units** | **Unit 1 of Baths** | **Unit 1 of Beds** | **Unit 2 of Baths** | **Unit 2 of Beds** | **Lease Term** |
| XXXXXXXXXXX | 5853969 | DSCR | 1 | XXXXX | XXXXX | Lease | XXXXX | 2.2017 | XXXXX | No | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1 | 2 | 3 |  |  | XXXXX |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

---

| |
|:---|
| ![](ex99-4sch6_001.jpg) |
| **ATR QM Data Fields** |
| *Loans in Report: 8* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXXXX | 5853963 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 5853964 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 5853967 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 5853969 | Not covered/exempt | No | No |
| XXXXXXXXXXXXX | 5853970 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 5853971 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 5853950 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXXX | 5853973 | Non-QM: Compliant with ATR | No | Yes |
| **8** |  |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

Digital Risk, LLC

Form ABS Due Diligence 15-E

DRMT 2025-CES1

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILGENCE SERVICES FOR ASSET-BACKED<br> SECURITIES**

**Item 1: Identity of the person providing third-party due diligence services**

Legal Name: Digital Risk, LLC

Business Name (If Different):

Principal Business Address: 2301 Maitland Center Parkway, Maitland, FL 32751

**Item 2: Identity of the person who paid the person to provide due diligence services**

Legal Name: Pretium Residential Credit Management, LLC

Business Name (If Different):

Principal Business Address: 120 South 6<sup>th</sup> Street, Suite 2100 Minneapolis, MN 55402

**Item 3: Credit rating criteria**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
|  | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;RMBS Transactions dated September 30, 2024 |

---

**Item 4: Description of the due diligence performed**

See Attachment A.

**Item 5: Summary of findings and conclusions of review**

See Attachment B.

**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects.

---

| |
|:---|
| Digital Risk, LLC |
| /s/ Joseph Chacko |
| By: Joseph Chacko, Head of Global Delivery |

---

Date: <u>October 9, 2025</u>

![](ex99-5_002.jpg)

**Attachment A**

**Item 4: Description of the due diligence performed**

DRMT 2025-CES1

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

Digital Risk, LLC ("Digital Risk") performed certain due diligence services described below on newly originated residential mortgage loans, in connection with the securitization identified as DRMT 2025-CES1 (the "Securitization").

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

The review consisted of a sample population of 107 loans.

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

The sample population was determined and provided by Digital Risk's client (as identified by Item 2).

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

Not applicable.

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

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

b. General QM for any loans originated under the GQM Rule. – If applicable

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

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

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

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

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

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

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

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

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

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

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

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

&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.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. 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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. For
 loans originated with an AVM, the review confirmed address and confidence score to ensure
 adherence with originators guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. If
 needed, additional valuation products (AVM's) were obtained to confirm the value was
 supported within 10% tolerance.

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

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

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

**Compliance Review – Closed End Second Loans**

Digital Risk performed a "Compliance Review" to the TRID 3.0 Compliance Scope to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape, but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;69 | &nbsp;&nbsp;64.49% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Original FICO Score | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.67% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;8.41% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.80% |

---

![](ex99-5_002.jpg)

**Attachment B**

**Item 5: Summary of findings and conclusions of review**

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;75 | &nbsp;&nbsp;$21127330.00 | &nbsp;&nbsp;70.09% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;32 | &nbsp;&nbsp;$7889541.00 | &nbsp;&nbsp;29.91% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;107 | &nbsp;&nbsp;$29016871.00 | &nbsp;&nbsp;100.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;101 | &nbsp;&nbsp;$27190330.00 | &nbsp;&nbsp;94.39% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;6 | &nbsp;&nbsp;$1826541.00 | &nbsp;&nbsp;5.61% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;107 | &nbsp;&nbsp;$29016871.00 | &nbsp;&nbsp;100.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;79 | &nbsp;&nbsp;$22209771.00 | &nbsp;&nbsp;73.83% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;28 | &nbsp;&nbsp;$6807100.00 | &nbsp;&nbsp;26.17% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;107 | &nbsp;&nbsp;$29016871.00 | &nbsp;&nbsp;100.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;86 | &nbsp;&nbsp;$24887412.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;86 | &nbsp;&nbsp;$24887412.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | Exception Rebuttal | Exception Response | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 4807122 | 1 of 8 | XXXX | XX/XX/XXXX | Compliance | Federal - HOEPA (High Cost)/Points & Fees | XXXX | The loan failed the high-cost mortgage (HOEPA) points and fees threshold test due to the following: The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 5 percentof the total loan amount of XXXX. The following points and fees were included XXXX the calculation: Appraisal Fee XXXX(paid to Affiliate), Mortgage Broker Fee (Indirect) XXXX, Points - Loan Discount Fee XXXX and Underwriting Fee XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please advise what the cure amount is and what is needed to correct. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please advise the exact amount that we are over for High Cost <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> See attached BF Discounts Points Letter<br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The violation can only be cured within 30 days of closing. The closing occurred on XX/XX/XXXX and thus the cure window has expired. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The cost to cure is XXXX; however, the cure window has expired. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> After review of the UDR provided, none of the discount points are excludable as bona fide. XXXX order for points to be bona fide and excludable, the rate prior to discount must not exceed the APOR by more than 2%. APOR was XXXX% making the threshold XXXX%. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 4807122 | 2 of 8 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807122 | 3 of 8 | XXXX | XX/XX/XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirementsof 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807122 | 4 of 8 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees isXXXX, which exceeds XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX(paid to Affiliate), Mortgage Broker Fee (Indirect) XXXX, Points-Loan Discount Fee XXXX and Underwriting Fee XXXX.000. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> please advise cure<br>| Response 1 (XX/XX/XXXX XXXX)<br> The violation can be cured within 210 days of the closing date, prior to the occurrence of any of the following events: the institution of any action by the consumer, any notice by the consumer that there is a violation, XXXX the consumer being past due more than 60 days on their payments. The cost to cure amount is XXXX plus interest on the overage; calculated using the contract interest rate applicable during the period from closing until the payment is made. If curing the violation, please provide an updated PCCD reflecting the cure, a letter of explanation to the borrower, copy of the refund check, and proof of mailing. (Upheld)<br>|  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807122 | 5 of 8 | XXXX | XX/XX/XXXX | Compliance | ROR - Timing | XXXX | This loan failed the TILA right of rescission test. Closed-end (12 CFR §XXXX(a)(3) , transferred from 12 CFR §XXXX(a)(3)), Open-end (12 CFR §XXXX(a)(3) , transferred from 12 CFR §XXXX(a)(3)) The funding date, XX/XX/XXXX, is before the third business day following consummation, XX/XX/XXXX. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §XXXX XXXX §XXXX, XXXX delivery of all material disclosures, whichever occurs last. Additionally, rescission needs to be re-opened. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please advise the amount to cure or what is needed to correct the issue.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The borrower must be given 3 business days to rescind the loan. If 3 business days were not given to the borrower, a new 3 day waiting period must be given to the borrower. Please provide evidence the borrower was made aware of the re-opened recession period and provided a new Right to Cancel. Finding cannot be cleared until the new re-opened recession period ends. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 4807122 | 6 of 8 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | Additional Finding: XX/XX/XXXX. The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the Disbursement Statement. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(a)(3)(iii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807122 | 7 of 8 | XXXX | XX/XX/XXXX | Credit | Income - Insufficient Documentation | XXXX | The borrower and XXXX-borrower were each qualified with bank statement income. The borrower's income was adjusted by the 50% expense ratio. The XXXX-borrower's income had no expense ratio adjustment. The rationale for no adjustment was not provided. If a typical 50% expense ratio is implemented, the DTI would be XXXX%. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached income worksheet- supports 50% exp factor used for both b1 and b2<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> The co-borrower's income was NOT adjusted by the 50% expense ratio bc he was qualified using personal bank statements, not business. The co-borrower provided 4 months business bank stmnts (where gls only call for 2) to support that he does maintain separate accounts in order to utilize 100% of the business-related deposits in the personal account. The co-borrower's self-employment was verified via a copy of his license issued in XXXX & expiring on XX/XX/XXXX and the State of XXXX SOS verifying the business entity being Active<br>| Response 1 (XX/XX/XXXX XXXX)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received does not support a 50% expense factor for the XXXX-borrower. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Void)<br>|  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807122 | 8 of 8 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA, dated XX/XX/XXXX, supported the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807129 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807129 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirementsof 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807129 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Loan Origination Fee XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807129 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Total of Payments (TOP) Rescindable | XXXX | The loan failed the Rescission Total of Payments tolerance test. Per the special foreclosure rule under Regulation Z, for loans subject to the right of rescission the Total of Payments is considered inaccurate if the disclosed Total of Payments is understated by more than XXXX. The final CD issued on XX/XX/XXXX has a disclosed Total of Payments of XXXX, which is less than the system calculated Total of Payments of XXXX. The Total of Payments on the final CD is understated by XXXX which is more than the allowable tolerance of XXXX. A cost to cure XXXX the amount of XXXX is required. Additionally, rescission needs to be re-opened. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The $XXXX can be explained by the changes in the fees from the initial CD to the final CD. On the Final CD a notary fee was added in the amount of $XXXX and the Endorsements from title were lowered by $XXXX. This accounts for the $XXXX difference in total of payments. Please retest. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. The FInal CD issued on XX/XX/XXXX has two pg. 5 with different TOP amounts disclosed please provide FInal CD for review. A cost to cue XXXX the amount of XXXX remains.. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The final CD provided and signed at closing is under-disclosed by XXXX. Cost to cure remains. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Cure docs provided. As of today the BWR's have not yet received the RTC documents. We can resolve the finding when the three-day rescission period ends. However, the grade will remain a three until that time. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> The re-opened rescission expired clearing the exception. (Resolved)<br>|  |  | 3 | 2 | 3 | 2 |
| XXXX | 4807129 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807129 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807123 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HOEPA (High Cost)/Points & Fees | XXXX | The loan failed the high-cost mortgage (HOEPA) points and fees threshold test due to the following: The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 5 percent of the total loan amount of XXXX. The following points and fees were included XXXX the calculation: Appraisal Fee XXXX, Loan Origination Fee XXXX, Processing Fee XXXX and Underwriting Fee XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please advise if the cure if the $XXX ?<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> The only fee included in the APR fee was the XX fee of $XXX. The $XXXX fee was not included in the test due to separate invoice. <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Please advise the exact amount that we are over for High Cost <br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> Only the AMC fee should be included in the test. <br>Rebuttal 5 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> This is not curable at this time. The window to cure the violation is 30 days from consummation. The loan closed on XX/XX/XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The Appraisal Invoice has been reviewed, applied, and the XXXX Appraisal fee excluded from testing. The loan is still failing High-Cost testing by XXXX. This is not curable at this time. The window to cure the violation is 30 days from consummation. The loan closed on XX/XX/XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The cost to cure is XXXX; however, the cure window has expired. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> The following points and fees were included XXXX the calculation: Appraisal Fee XXXX, Loan Origination Fee XXXX, Processing Fee XXXX and Underwriting Fee XXXX. A violation remains XXXX the amount of XXXX. (Upheld)<br>Response 5 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 4807123 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807123 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirementsof 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807123 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees is XXXX, which exceeds XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Loan Origination Fee XXXX, Processing Fee XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807123 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807123 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807130 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR XXXX(e)(3)). The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. Fees included XXXX the test: Loan Origination Fee XXXX, Processing Fee XXXX, Underwriting Fee XXXX. If discount points are bona fide, please provide the undiscounted rate. |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4807130 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4807130 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4807120 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - XXXX Tolerance Threshold/Rescindable | XXXX | The loan failed the Rescission Finance Charge tolerance test. Per the special foreclosure rule under Regulation Z, for loans subject to the right of rescission the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of XXXX, which is less than the system calculated Finance Charge of XXXX. The Finance Charge on the final CD is understated by XXXX which is more than the allowable tolerance of XXXX. The following fees were included XXXX the Finance Charge calculation: Points- Loan Discount Fee XXXX, Attorney's Fee XXXX, Closing protection letter XXXX, Broker Fee XXXX, Prepaid interest XXXX, and Settlement Fee XXXX. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. Additionally, rescission needs to be re-opened. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 2 | 3 | 2 |
| XXXX | 4807120 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807120 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807133 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4807133 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4807133 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4807131 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: 3% of total loan amount. The following fees were included XXXX the testing: Appraisal Fee $XXXX, Mortgage Broker Fee (Indirect) XXXX, Points- Loan discount Fee XXXX, and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4807131 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4807131 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4807121 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees isXXXX, which exceeds XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Loan Origination Fee XXXX, Points-Loan Discount Fee XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807121 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. The loan file contains a document reflecting the borrower traded XXXX a XXXX auto leaving a remaining balance on the new vehicle XXXX XXXX; however, the Closing Disclosure reflects the XXXX account as being paid off at closing. The loan file is missing the purchase contract of the New Auto to verify the new debt and paid off on trade debt. \*\*\*Additional Conditions May Apply \*\*\* | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 4807121 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4833279 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: The loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees isXXXX, which exceeds XXXX. The following fees were included XXXX the testing: Mortgage Broker Fee XXXX and Loan Discount Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4833279 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4807124 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4807124 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807124 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Broker Fee XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4807124 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - XXXX Tolerance Threshold/Rescindable | XXXX | The loan failed the Rescission Finance Charge tolerance test. Per the special foreclosure rule under Regulation Z, for loans subject to the right of rescission the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of XXX,XXXX, which is less than the system calculated Finance Charge of XXXX. The Finance Charge on the final CD is understated by XXXX which is more than the allowable tolerance of XXXX. The following fees were included XXXX the Finance Charge calculation: CPL Fee XXXX, Broker Fee XXXX, Prepaid Interest XXXX, Settlement/Closing Fee XXXX, Underwriting Fee XXXX. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. Additionally, rescission needs to be re-opened. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please advise where you are coming up with the $XXXX. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> see attached<br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> see attached<br>Rebuttal 5 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The following fees were included XXXX the Finance Charge calculation: CPL Fee XXXX, Broker Fee XXXX, Prepaid Interest XXXX, Settlement/Closing Fee XXXX, Underwriting Fee XXXX. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. Additionally, rescission needs to be re-opened. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The PCCD LOE, PCCD, Mailing Label, copy of Refund Check and evidence of re-opened recession have been provided; however, the PCCD issue date is XX/XX/XXXX, this is prior to closing of XX/XX/XXXX. A PCCD cannot be dated prior to closing. Please provide an updated PCCD with correct issue date. A cost to cure XXXX the amount of XXXX remains. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The CD issued at closing was provided. A PCCD issued on XX/XX/XXXX is required to go along with the LOE and refund that was provided which reflects the cure and updated numbers. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Cure docs have been provided. Evidence that rescission was re-opened is still required. (Upheld)<br>Response 5 (XX/XX/XXXX XXXX)<br> As of today the BWR's have not yet received the RTC documents. We can resolve the finding when the three-day rescission period ends. However, the grade will remain a three until that time. (Upheld)<br>Response 6 (XX/XX/XXXX XXXX)<br> The re-opened rescission expired clearing the exception. (Resolved)<br>|  |  | 3 | 2 | 3 | 2 |
| XXXX | 4807124 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | The mortgage history XXXX the loan file was incomplete XXXX missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 4807124 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4833281 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4833281 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4833281 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993233 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993233 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993233 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4833277 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR, XXXX% the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833277 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%.The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4833277 | 3 of 5 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX AB 260 higher-priced mortgage loan test. (XXXX AB 260, XXXX Financial Code Division XXXX(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833277 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833277 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833283 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that XXXX total cannot increase more than 10% test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fee was not accepted: Recording Fee. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 2 | 3 | 2 |
| XXXX | 4833283 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4993238 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that XXXX total cannot increase more than 10% test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee increased on Initial CD XX/XX/XXXX. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please clear- rescission period has ended.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The LOE, PCCD, Refund Check and proof of funding have been provided, tolerance has been cured. The rescission period was also re-opened and expires on midnight of XX/XX/XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The LOE, PCCD, Refund Check and proof of funding have been provided, tolerance has been cured. The rescission period was also re-opened and expires on midnight of XX/XX/XXXX. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> There-opened rescission expired midnight on XX/XX/XXXX clearing the exception.(Resolved)<br>|  |  | 3 | 2 | 3 | 2 |
| XXXX | 4993238 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(a)(3)(iii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4993238 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4993238 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4833280 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: The loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees is XXXX, which exceeds XXXX. The following fees were included XXXX the testing: Loan Origination Fee XXXX, Processing Fee XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4833280 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4833278 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4833278 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4833278 | 3 of 5 | XXXX | XX/XX/XXXX | Credit | Credit Report - Adverse Credit | XXXX | The credit report provided indicates an open unpaid collection for XXXX with XXXX. The loan file does not contain documentation supporting this liability has been paid off over 12 months ago as required per investor guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The 2nd mortgage Exception addendum allows collections with balance less than $XXXX to remain unpaid on owner-occupied property. <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 4833278 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains a lender exception allowing for the subject as a rural property with cabin like features. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> This fits under XXXX 2nd mtg HELOC exceptions <br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception granted by Investor. (Waived)<br>|  | Compensating Factors: Good residual income XXXX- Solid mortgage history with no lates. | 3 | 2 | 3 | 2 |
| XXXX | 4833278 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4952054 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952054 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Program Parameters - DTI | XXXX | Per Lender's guides, the max DTI is 50% for mid credit scores of XXX XXXX higher. After calculating the borrowers' PITIAs for all properties including the rental properties, the audit DTI increase to XXXX%. Which exceeds the max of 50%. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The only owned REO that isn't escrowed is the borrower's primary residence. HOI was supplied for all properties and should not be added to the 3 investment properties. Please provide further detail as XXXX finds no discrepancy in each of the REO. If further documentation is required, please advise.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Recalculated DTI XXXX%. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952054 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Loan Amount | XXXX | Lender's Exception - Lender allowed the loan amount of XXXX. Client to approve exception. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Per XX this loan was accepted on bid tape by XXXX / acceptance of the loan amount exception from the investor. Please advise if sufficient or need additional from them.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952054 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952052 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952052 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Title Commitment - Incorrect | XXXX | The legal description provided with the title commitment is illegible. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952052 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952056 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952056 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The appraisal provided is not legible. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952056 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952058 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment being illegible. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952058 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952058 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952057 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX The following fees were included XXXX the testing: Appraisal Fee XXXX, Broker Fee XXXX, Processing Fee XXXX, Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952057 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | The loan file is missing documentation supporting the Borrower holds XXX% of XXXX. Unable to verify income used to qualify. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952057 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952055 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX The following fees were included XXXX the testing: Appraisal Fee XXXX, Broker Fee XXXX, Discount Fee XXXX, and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952055 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that XXXX total cannot increase more than 10% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Recording Fee XXXX. A cost to cure XXXX the amount of XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952055 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial LE/Delivery Date (from application) | XXXX | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(iii)(A) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952055 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (Disclosure Timing Fail) | XXXX | The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions/increases: Points XXXX, Broker Fee XXXX, Underwriting Fee XXXX, Appraisal Fee XXXX, Appraisal Review Fee XXXX, and Credit Report Fee XXXX. A cost to cure XXXX the amount of XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4952055 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952055 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952051 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952051 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952051 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Broker Fee XXXX, Points XXXX, and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952051 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | This loan failed the XXXX AB 260 higher-priced mortgage loan test. (XXXX AB 260, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952051 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4952051 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal XXXX CU score at XXXX XXXX under to support the origination appraised value. Only the primary appraisal was provided at origination; missing AVM XXXX CDA report at review. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4993230 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4993230 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/XXXX quality of the loan. Authorization to close for previous heloc being paid off XXXX the transaction is required and missing from the loan file. The payoff provided states "if this written request is not received, your home equity line of credit will not be terminated". Provide signed authorization to close heloc from XXXX other documentation to support previous heloc closure. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 4993230 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5141342 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX The following fees were included XXXX the testing: Broker fee XXXX, Points XXXX and Underwriting fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141342 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141342 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4952059 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4952059 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4952059 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141344 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Broker Fee XXXX, and Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141344 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141344 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141348 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141348 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141348 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993227 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Indirect Broker Fee XXXX, Points XXXX, and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). A QM fail is an informational only citation that is simply for purposes of determining QM status. It is not considered a high cost fail and is an Ev1 exception. No action is required. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4993227 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(a)(3)(iii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4993227 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. Full PITIA for XXXX has not been verified. Provide hazard insurance for the property to confirm PITIA. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 4993227 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4993229 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Broker Fee XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). A QM fail is an informational only citation that is simply for purposes of determining QM status. It is not considered a high cost fail and is an Ev1 exception. No action is required. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993229 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993228 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993228 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993228 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141338 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment being illegible XXXX the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Title Policy provided reflects the current Borrower. Please provide the Title Commitment issued prior to closing to determine vesting prior to closing the loan and issuing the Title Policy. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Title Commitment provided does not match the vesting on the Mortgage. Please provide the warranty deed XXXX quit claim deed showing the transfer of vesting from the Trust to the Borrower prior to issuing the Title Policy. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5141338 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment is incomplete. The format of the title commitment provided is not legible, provide a legible full copy of the title commitment. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached final policy<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5141338 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 4993235 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Doc Prep XXXX, Broker Fee XXXX, and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). A QM fail is an informational only citation that is simply for purposes of determining QM status. It is not considered a high cost fail and is an Ev1 exception. No action is required. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993235 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993235 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993239 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Documentation Preparation Fee XXXX, Loan Origination Fee XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). A QM fail is an informational only citation that is simply for purposes of determining QM status. It is not considered a high cost fail and is an Ev1 exception. No action is required. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993239 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993236 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993236 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993236 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Appraisal Inspection Fee XXXX, Appraisal Review Fee XXXX, Document Prep Fee XXXX, Broker Fee Indirect XXXX, Points XXXX, and Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) A QM fail is an informational only citation that is simply for purposes of determining QM status. It is not considered a high cost fail and is an Ev1 exception. No action is required. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993236 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX AB 260 higher-priced mortgage loan test. (XXXX AB 260, XXXX Financial Code Division XXXX 4995(a)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993236 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993236 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993232 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that XXXX total cannot increase more than 10% test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees was not accepted: Recording Fees increased on Initial CD XX/XX/XXXX. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> XX had the cure details on the CD - see highlighted <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 4993232 | 2 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | Updated XX/XX/XXXX: The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(a)(3)(iii) |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 4993232 | 3 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 4993225 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993225 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. According to the Client we will see a full appraisal and AVM XXXX CDA XXXX the file. File contains only AVM and PCI reports at review. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Guidelines allow for AVM w/ loan amount<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141343 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141343 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. According to the Client we will see a full appraisal and AVM XXXX CDA XXXX the file. The loan file contains only an AVM and PCI reports at review. | Void | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached guidelines allow AVM w/ loan amount < $250k<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Void)<br>|  |  | 1 | 1 | 1 | 1 |
| XXXX | 4993234 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | QM - FAIL APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) A QM fail is an informational only citation that is simply for purposes of determining QM status. It is not considered a high cost fail and is an Ev1 exception. No action is required. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4993234 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Closing Information/Disbursement Date | XXXX | The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(a)(3)(iii) |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 4993234 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 4993234 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5141345 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Document Preparation fee XXXX, Loan Origination fee XXXX, Loan Discount points XXXX and Underwriting fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141345 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141345 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5141340 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 5141340 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | This loan failed the qualified mortgage APR threshold test. (12 CFR §XXXX(e)(2)(vi)) A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX% |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5141340 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5141340 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5141341 | 1 of 8 | XXXX | XX/XX/XXXX | Compliance | NMLS | XXXX | The Mortgage Broker's NMLS on the Note/Mortgage does not match the NMLS Registry site. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The XXXX for the Loan Originator Organization, XXXX, was incorrectly disclosed as the same XXXX for the Loan Originator on the Note and Mortgage. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5141341 | 2 of 8 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. (12 CFR XXXX(e)(3)) The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5141341 | 3 of 8 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page 12 of 14 was not executed XXXX signed Borrower/Trustor. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The borrower does not sign and XXXX has elected not to sign<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The explanation provided is not sufficient to cure the finding. The Default Notice pg. 12 of 14 of the Mortgage must be signed XXXX crossed out. Please provide signed XXXX crossed out pg. 12 of 14 for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5141341 | 4 of 8 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Broker NMLS Missing XXXX Inaccurate | XXXX | The Mortgage Broker NMLS disclosed on the PCCD issued on XX/XX/XXXX does not match the NMLS Registry site. Truth XXXX Lending Act (Regulation Z) 2 CFR XXXX(r)(3), (5) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5141341 | 5 of 8 | XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. According to the Client, we will see a full appraisal and AVM XXXX CDA XXXX the file. The loan file only contains an AVM and PCI report. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5141341 | 6 of 8 | XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file contains a lender exception for paying off a collection account with a balance over $XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXXX on mortgages, residual income of XXXX, and CLTV below maximum of 85% at XXXX%. | 2 | 2 | 3 | 2 |
| XXXX | 5141341 | 7 of 8 | XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | Per the guidelines, a gap credit report (soft-pull) dated within 15 days of the Note date is required if the original credit report is dated more than 30 days from the Note date. XXXX-borrower's credit report date is XX/XX/XXXX; Note date XX/XX/XXXX. The file is missing a gap credit report. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5141341 | 8 of 8 | XXXX | XX/XX/XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Wildfires and Straight-line Winds [DR-4856-XXXX] with an incident period of XX/XX/XXXX and continuing which is after the property condition inspection date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5141346 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The default notice page of the mortgage, page 12 of 14 must be signed XXXX striked through. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5141346 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. According to the Client, we will see a full appraisal and AVM XXXX CDA XXXX the file. The loan file only contains an AVM and PCI report. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached - guidelines allow for AVM and PCI only - no apprsl required on 2nd lien <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5141346 | 3 of 3 | XXXX | XX/XX/XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The borrower's income is derived from SE using 12 months of bank statements. The lender's calculation worksheet reflects income of XXXX per month. However, the final 1003 and 1008 indicate SE income as XXXX XXXX which the file does not contain documentation to support. DTI using income from worksheet is XXXX% which exceeds the maximum allowed of 50%. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> The bonus income is for the co-borrower-it was input incorrectly. see attached corrected docs <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> UW calculated XXXX-XXXX bonus for XXXX -$XXXX. addtl income <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> The co-borrower income is not included in the income from B1 s/e income. see attached. <br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The XXXX-borrower just started a new job and bonus is not reflected. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Unable to clear based upon explanation. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> The bonus for the XXXX-Borrower was not used at review. The XXXX-Borrower recently started the new job. There is no documentation that the XXXX-Borrower will receive a bonus on the new job. Primary borrower income XXXX + XXXX-borrower income XXXX = XXXX qualifying income. DTI XXXX%. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5520206 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520206 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520206 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520204 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520204 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471181 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5471181 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5471181 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX AB 260 higher-priced mortgage loan test. (XXXX AB 260, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5471181 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the increase may be valid, because a COC was not provided, auditor is unable to determine if the initial CD issued on XX/XX/XXXX was disclosed within 3 business days of the change. Therefore, the increase to the following fees was not accepted: Discount Points. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5471181 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5471181 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5735322 | 1 of 8 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Non-Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a non-compliant HPML Appraisal requirements have not been met. Although there is an appraisal XXXX the file it is blank, therefore unable to determine if a physical inspection of the interior of the property was completed and performed by a certified XXXX licensed appraiser. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The loan is a compliant Federal HPML, Appraisal requirements have been met. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5735322 | 2 of 8 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5735322 | 3 of 8 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Doc Prep Fee XXXX, Broker Fee XXXX, Appraisal Fee XXXX, Points XXXX, and Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5735322 | 4 of 8 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX AB 260 higher-priced mortgage loan test. (XXXX AB 260, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a non-compliant HPML Appraisal requirements have not been met. Although there is an appraisal XXXX the file it is blank, therefore unable to determine if a physical inspection of the interior of the property was completed and performed by a certified XXXX licensed appraiser. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The loan is a compliant State HPML, Appraisal requirements have been met. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5735322 | 5 of 8 | XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. Appraisal provided is not correctly formatted and is missing all necessary information for valuation determination. Provide a legible full copy of the appraisal. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5735322 | 6 of 8 | XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file contains a lender exception for collection account on credit report with a balance of XXXX staying open. Guidelines state collections are not acceptable if paid off less than 12 months ago. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: both borrowers length XXXX job over XX years, qualifying FICO of XXXX, and residual income of XXXX. | 2 | 2 | 3 | 2 |
| XXXX | 5735322 | 7 of 8 | XXXX | XX/XX/XXXX | Credit | Income - Other/Missing | XXXX | The XXXX W-2 for XXXX-borrower self-employment with XXXX is required and missing from the loan file. XXXX of W-2 wages is being used XXXX the income calculation and is not verified with documentation provided. The income is qualified on XXXX business tax returns with an extension for XXXX business tax returns XXXX the loan file and only XXXX W-2 provided. Without use of the XXXX XXXX W-2 wages the DTI goes from to XXXX%. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5735322 | 8 of 8 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471180 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471180 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471180 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471184 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Doc Prep Fee XXXX, Broker Fee XXXX, and Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471184 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471184 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471185 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471185 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471185 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471174 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471174 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471172 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: 3% of total loan amount (for loans > XXXX). The following fees were included XXXX the testing: Document Preparation Fee XXXX, Loan Origination Fee XXXX, Points XXXX, Processing Fee XXXX, Underwriting Fee XXXX); if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 5471172 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5471172 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5471176 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471176 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471176 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5447665 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The date used for rate set is XX/XX/XXXX. The loan is a compliant HPML. Appraisal and Prepayment requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447665 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 - CFR XXXX(e)(1)(ii). |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5447665 | 3 of 5 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the loan origination fee test. (XXXX RCW §XXXX.105(2)). The loan origination fee exceeds 4% of the first XXXX and 2% thereafter of the principal amount advanced to XXXX for the direct benefit of the borrower of the mortgage. The overage is XXXX. | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Investor required XX to cure the finding<br>| Response 1 (XX/XX/XXXX XXXX)<br> Lender provided a cure, however this regulation does not state that a cure is available and what that cure is. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The XXXX state revised code (RCW) §XXXX.105 does not contain a provision for a cure for the origination fee to exceed 4%. The statute sets a hard cap on the allowable fee but does not outline a mechanism for correcting XXXX mitigating violations, such as refunding excess fees XXXX adjusting the loan terms after the fact. (Upheld)<br>|  |  | 2 | 2 | 3 | 2 |
| XXXX | 5447665 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | Income - Other/Missing | XXXX | W2 transcripts are required per guidelines and missing to support borrower wage income from XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5447665 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471170 | 1 of 7 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR, XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and Appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471170 | 2 of 7 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%.The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471170 | 3 of 7 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: 3% of total loan amount (for loans > XXXX) The following fees were included XXXX the testing: Appraisal XXXX, Document Preparation XXXX, Loan Origination XXXX and Underwriting XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate . Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471170 | 4 of 7 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Exhibit "A" is missing the legal description. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> See attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5471170 | 5 of 7 | XXXX | XX/XX/XXXX | Credit | Program Parameters - CLTV | XXXX | The subject loan does not meet Program Parameters for CLTV. Maximum CLTV for FICO under XXX is XXX% and CLTV is verified at XXXX%. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> matrix allows up to 80% ltv<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5471170 | 6 of 7 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Loan Amount | XXXX | The loan file contains a lender exception for the loan amount does not meet minimum allowable under the guidelines. Minimum loan amount is XXXX and loan amount is XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors:XXXX on credit report, XXX years at current employer, and qualifying credit score above required at XXX. | 2 | 2 | 3 | 2 |
| XXXX | 5471170 | 7 of 7 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471166 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471166 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471166 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471167 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Appraisal review fees of XXXX and XXXX.The loan charges a prohibited fee based on one XXXX more the following findings: The loan charged more than one appraisal fee. (XXXX Fin. Code §22317). The loan fails the prohibited fees test by XXXX. | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Investor required us to cure <br>| Response 1 (XX/XX/XXXX XXXX)<br> The regulation does not state a cure is available XXXX order to resolve the citation. However, lender cured the violation per investor request. Finding remains upheld. (Upheld)<br>|  |  | 2 | 2 | 2 | 2 |
| XXXX | 5471167 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5471167 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5520201 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520201 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520201 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520205 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Doc Prep Fee XXXX, Broker Fee XXXX, Points XXXX, and Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520205 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520205 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471168 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471168 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471168 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471179 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471179 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471179 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520207 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520207 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471175 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471175 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471178 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471178 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471178 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520200 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | This loan has points and fees that exceed the points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Document preparation XXXX, Loan origination XXXX, Points XXXX, and Underwriting fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520200 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520200 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471177 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 5471177 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5471177 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5471177 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5471163 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471163 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471163 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908597 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908597 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908597 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471169 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471169 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471169 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908604 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Doc Prep Fee XXXX, Broker Fee XXXX, Points XXXX, and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908604 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471171 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471171 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471171 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520209 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 5520209 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5520209 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 5520202 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520202 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520202 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of thetotal loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Management Fee XXXX, Document Preparation Fee XXXX, Mortgage Broker Fee (Indirect) XXXX, Points-Loan Discount Fee XXXX and Underwriting Fee XXXX.000. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520202 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX AB 260 higher-priced mortgage loan test. (XXXX AB 260, XXXX Financial Code Division XXXX 4995(a)). The loan exceeded the XXXX higher-priced mortgage loan test. The loan has an APR of XXXX%. The XXXX APR threshold is XXXX%. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520202 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520202 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471165 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471165 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520208 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520208 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520208 | 3 of 5 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Doc Prep Fee XXXX, Broker Fee XXXX, Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520208 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520208 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908605 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908605 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908605 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520199 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Appraisal Re-Inspection Fee XXXX, Document Preparation Fee XXXX, Mortgage Broker Fee (Indirect) XXXX, Points-Loan Discount Fee XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5520199 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. The appraisal provided is illegible at review. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please find attached appraisal.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5520199 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5471164 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Doc Prep Fee XXXX, Broker Fee XXXX, Points XXXX, Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471164 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471164 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735318 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%., the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735318 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | QM - APR Lending Policy. The loan exceeds the APR lending policy threshold as follows: This loan failed the qualified mortgage APR threshold test. (12 CFR §XXXX(e)(2)(vi)). The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) Informational Only. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735318 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735318 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471182 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471182 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471182 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent ofthe total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Document Preparation Fee XXXX, Mortgage Broker Fee (Indirect) XXXX, Loan Origination Fee XXXX and Underwriting Fee XXXX.000. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471182 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that XXXX total cannot increase more than 10% test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees was not accepted: Recording Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(3)(ii); 12 CFR XXXX(e)(3)(iv) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Updated ROR for the loan transaction on was issued and the borrower has until midnight on XX/XX/XXXX to rescind. The exception can not be resolved until the recession period ends. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The re-opened rescission expired at midnight on XX/XX/XXXX clearing the exception. (Resolved)<br>|  |  | 3 | 2 | 3 | 2 |
| XXXX | 5471182 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5471182 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908594 | 1 of 7 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908594 | 2 of 7 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908594 | 3 of 7 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Doc Prep Fee XXXX, Indirect Broker Fee XXXX, Points XXXX, and Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908594 | 4 of 7 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX AB 260 higher-priced mortgage loan test. (XXXX AB 260, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908594 | 5 of 7 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Credit Score | XXXX | The borrower's credit scores are below the minimum allowable per guidelines. The minimum credit score on the matrix is 680 and the qualifying credit score is verified at XXX. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> See exception<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> matrix allows credit score down to 660<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> SEE EXCEPTION<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception form not received. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Equity Advantage Matrix dated XX/XX/XXXX was used at review. 680 was the minimum allowed score. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Waiver granted by Investor. (Waived)<br>|  | XXXX% DTI. XXXX per month residual income. | 3 | 2 | 3 | 2 |
| XXXX | 5908594 | 6 of 7 | XXXX | XX/XX/XXXX | Credit | Title Commitment - Other | XXXX | The matrix states the expiration of the title commitment is 60 days and the title commitment provided is greater than 60 days from the note date (XX days). Title commitment date is XX/XX/XXXX and note date is XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> See attached Final Title<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5908594 | 7 of 7 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5735320 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735320 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735320 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908593 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908593 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX.. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908593 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: 3% of total loan amount. The following fees were included XXXX the testing: Appraisal Fee XXXX, Document Preparation Fee XXXX, Loan Origination Fee XXXX, Points XXXX and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate.Truth XXXX Lending Act (Regulation Z). 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908593 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that XXXX total cannot increase more than 10% test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees was not accepted: Recording Fees (XX/XX/XXXX). If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure XXXX the amount of XXXX is required. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(3)(ii); 12 CFR XXXX(e)(3)(iv) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please clear <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The Updated ROR for the loan transaction on was issued and the borrower has until midnight on XX/XX/XXXX to rescind. The exception can not be resolved until the recession period ends. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 2 | 3 | 2 |
| XXXX | 5908593 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908593 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5735319 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Doc Prep XXXX, Broker Fee XXXX, Points XXXX, and Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735319 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735319 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908596 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following is missing: PUD Rider. Per the Appraisal, the property is located XXXX a Planned Unit Development; however, a PUD rider was not provided XXXX the loan file. XXXX addition, the applicable rider section on page 2 was also not accurately marked. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The PUD rider has been provided; however, pg. 2 section F "Riders" with reference to the PUD rider to be made a part of the Mortgage has not been updated. The borrower is required to initial the changes made. Please provide the corrected Mortgage and evidence of when the documents have been re-recorded. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5908596 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - CD/Payee Not Listed | XXXX | The loan contains the following fee XXXX fees where 'compensation to' does not reflect a Payee on the revised CD. VOE Fee. |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 5908596 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908596 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908600 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | ROR - Missing | XXXX | There is no evidence XXXX the file that the Right to Cancel Notice was provided to the borrower and/XXXX all consumers with a right to rescind. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(b), (a)(1). | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> See attached<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The statement of Non-calculation and unexecuted ROR have been provided. The Statement of Non-calculation cannot be used XXXX lieu of the executed ROR. Please provide the executed ROR for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5908600 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Section B incorrect payee | XXXX | The loan contains an Appraisal fee of XXXX where 'compensation to' reflects TBD under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. However, this fee should reflect the name of the appraisaer. Per regulation XXXX(f)(2), the name of the person/company ultimately receiving payment for service should be listed. | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Appraisal was a transferred appraisal. XX charged a review fee.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The information provided is not sufficient to cure the finding. A fee cannot have TBD listed as the payee. A LOE and PCCD listing the payee of the Appraisal Fee is required for review. (Upheld)<br>|  |  | 2 | 2 | 3 | 2 |
| XXXX | 5908600 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5908600 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 5520203 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520203 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5520203 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735321 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Points XXXX and Indirect Broker Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735321 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735321 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735325 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735325 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735325 | 3 of 5 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Doc Prep Fee XXXX, Broker Fee XXXX, Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735325 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735325 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908606 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908606 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908606 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908607 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908607 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908607 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735323 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: 3% of total loan amount. The following fees were included XXXX the testing: Document Preparation Fee XXXX, Mortgage Broker Fee XXXX and Points XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate > Truth XXXX Lending Act (Regulation Z). 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735323 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735323 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908611 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Document Prep XXXX, Loan Origination XXXX, Loan Discount Points XXXX and Underwriting XXXX. If discount points and fees are bona-fide and excludable, please provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908611 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908599 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Loan Origination Fee XXXX, Points - Loan Discount Fee XXXX Underwriting Fee XXXX, Document Preparation Fee XXXX. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908599 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908599 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735326 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735326 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735324 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded; 3% of total loan amount. The following fees were included XXXX the testing: Appraisal Review Fee XXXX, Document Preparation Fee XXXX, Loan Origination Fee XXXX, Points XXXX and Underwriting Fee XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate > Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735324 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735324 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX,which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908610 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Closing Disclosure/Missing | XXXX | There is no evidence of a complete, Closing Disclosure provided XXXX the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy. Truth XXXX Lending Act (Regulation Z). 12 CFR XXXX(f)(1)(i). | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5908610 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file is missing the final closing disclosure as required to determine the fees and amount received from the cash-out refinance. The loan file does obtain a disclosure indicating the borrower received a closing disclosure; however, the final CD is not obtained XXXX the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> FINAL CD<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 5908610 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 5908592 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Appraisal Fee XXXX, Doc Prep Fee XXXX, Indirect Broker Fee XXXX, Points XXXX, and Underwriting Fee XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z)12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908592 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908592 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908608 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908608 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12 CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908608 | 3 of 5 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX AB 260 higher-priced mortgage loan test. (XXXX AB 260, XXXX Financial Code Division XXXX 4995(a)) Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908608 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908608 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908603 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908603 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908603 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908595 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908595 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908601 | 1 of 6 | XXXX | XX/XX/XXXX | Compliance | Federal - HPML APR/Compliant | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR XXXX(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined XXXX Regulation Z. The date used for rate set is XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908601 | 2 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - APR Lending Policy | XXXX | This loan failed the qualified mortgage APR threshold test. (12 CFR §XXXX(e)(2)(vi)). The loan exceeds the APR lending policy threshold as follows: The note amount for a second lien is greater than XXXX equal to (XXXX), and its APR calculated per the requirements of 12CFR §XXXX(e)(2)(vi) is less than the APOR on the date the rate was set plus XXXX%. The date used for rate set is XX/XX/XXXX. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(ii) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908601 | 3 of 6 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Document Prep XXXX, Loan Origination XXXX, Loan Discount Points XXXX and Underwriting XXXX. If discount points and fees are bona-fide and excludable, please provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3) |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908601 | 4 of 6 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the XXXX 209 CMR XXXX higher-priced mortgage loan test. (XXXX 209 CMR XXXX). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined XXXX the Code of XXXX Regulations. The date used for rate set is XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908601 | 5 of 6 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908601 | 6 of 6 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908609 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908609 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908609 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5908602 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed. Home Mortgage Disclosure Act (Regulation C) 12 CFR XXXX(b) Equal Credit Opportunity Act (Regulation B) 12 CFR XXXX |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 5908602 | 2 of 5 | XXXX | XX/XX/XXXX | Compliance | Rescission Test | XXXX | This loan failed the TILA right of rescission test. Closed-end (12 CFR §XXXX(a)(3), transferred from 12 CFR §XXXX(a)(3)), Open-end (12 CFR §XXXX(a)(3), transferred from 12 CFR §XXXX(a)(3)) The funding date XX/XX/XXXX is before the third business day following consummation XX/XX/XXXX. Additionally, rescission needs to be re-opened. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5908602 | 3 of 5 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation)- Rescindable | XXXX | Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5908602 | 4 of 5 | XXXX | XX/XX/XXXX | Compliance | TRID - LE/Missing | XXXX | The initial and any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(1)(i) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 5908602 | 5 of 5 | XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 5471183 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | QM - Points and Fees | XXXX | The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were XXXX, which exceeded: The loan amount is XXXX XXXX more, and the transaction's total points and fees is XXXX, which exceeds 3 percent of the total loan amount of XXXX. The following fees were included XXXX the testing: Discount Points XXXX, Underwriting XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(e)(2)(iii), (e)(3). |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471183 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5471183 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735327 | 1 of 2 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 5735327 | 2 of 2 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** | **Initial Property Valuation Grade (Moody's)** | **Final Property Valuation Grade (Moody's)** | **Initial Property Valuation Grade (S&P)** | **Final Property Valuation Grade (S&P)** | **Initial Property Valuation Grade (Fitch)** | **Final Property Valuation Grade (Fitch)** | **Initial Property Valuation Grade (DBRS Morningstar)** | **Final Property Valuation Grade (DBRS Morningstar)** | **Initial Property Valuation Grade (KBRA)** | **Final Property Valuation Grade (KBRA)** |
| XXXX | 5520199 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 5471163 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4993239 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5471164 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471165 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5471166 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908592 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5520201 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5141340 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 5735318 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5520202 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5735319 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471167 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 5908594 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A |
| XXXX | 5471168 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471169 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5141341 | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C |
| XXXX | 5471171 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5141342 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471172 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 5520205 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5520206 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5447665 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A | A B C | A | A B C | A | A B C | A | A B C | A | A B |
| XXXX | 5908596 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 5471174 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5735322 | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A C |
| XXXX | 5520207 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5141344 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5735323 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908599 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5141346 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C |
| XXXX | 5908600 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 5908601 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908602 | XXXX | 3 | 2 | 2 | 2 | 3 | 2 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B |
| XXXX | 5908603 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908605 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908606 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908607 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5735325 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908608 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471177 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 5471178 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471179 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471180 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4993236 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471181 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 5471182 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 5908609 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5735326 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5141348 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471183 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471185 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5520209 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 4833277 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 4833280 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B |
| XXXX | 4833281 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5141338 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 4993225 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5520200 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5520203 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908593 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 5520204 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5735320 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471170 | XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A C |
| XXXX | 5908595 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5735321 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5141343 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5908597 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5141345 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5735324 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908604 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5471175 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5908610 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 5471184 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5908611 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5735327 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 5520208 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 5471176 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4833278 | XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B | A | A B C | A | A B C | A | A B C | A | A B C | A | A B |
| XXXX | 4952051 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A | C | A C | C | A C | C | A C | C | A C | C | A |
| XXXX | 4807122 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 4993227 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A | A B C | A | A B C | A | A B C | A | A B C | A | A B |
| XXXX | 4807123 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 4807124 | XXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 4807129 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 4807131 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 4807133 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4993229 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4993230 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 4952052 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 4993232 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B |
| XXXX | 4952054 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 4993233 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4952056 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 4952057 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A |
| XXXX | 4952058 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 4993238 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 4807120 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | 1 | 1 C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B |
| XXXX | 4807121 | XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A | A | A B C | A | A B C | A | A B C | A | A B C | A | A B |
| XXXX | 4833279 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B |
| XXXX | 4993228 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4807130 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 4833283 | XXXX | 3 | 2 | 1 | 1 | 3 | 2 | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B |
| XXXX | 4952055 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A C | A | A C |
| XXXX | 4993234 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A | A | A B | A | A B | A | A B | A | A B | A | A B |
| XXXX | 4993235 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4952059 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | |
|:---|:---|
| **Report Pulled:** | 10/8/2025 |
| **Loan Count:** | 107 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| CLTV | 69 | 64.49% |
| First Payment Due Date | 1 | 0.93% |
| LTV | 1 | 0.93% |
| Original FICO Score | 5 | 4.67% |
| Origination/Note Date | 9 | 8.41% |
| Originator Back-End DTI | 2 | 1.87% |
| Property Type | 3 | 2.80% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 10/8/2025 |  |  |  |  |  |
| **Loan Count:** | 107 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan IDs** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 4807122 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4807130 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4807133 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 4807131 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4807121 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4833279 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4833281 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4833281 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 4993233 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4993233 | XXXX | Original FICO Score | XXXX | XXXX |
| XXXX | XXXX | 4833283 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4952054 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4952052 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4952056 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4952058 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4952057 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4952055 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 4993230 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5141342 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4952059 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5141344 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4993227 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4993229 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4993228 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5141338 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4993235 | XXXX | Original FICO Score | XXXX | XXXX |
| XXXX | XXXX | 4993236 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4993232 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 4993225 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 4993234 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5141345 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5141340 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5520206 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471181 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 5735322 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5735322 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 5471180 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471174 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471172 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471176 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5447665 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471170 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471166 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471166 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 5471168 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471179 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471179 | XXXX | First Payment Due Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5471175 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471178 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5520200 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471177 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471177 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 5908597 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908597 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5471169 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471169 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5908604 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471171 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5520209 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5471165 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5520208 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908605 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5735318 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908594 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908594 | XXXX | Original FICO Score | XXXX | XXXX |
| XXXX | XXXX | 5908594 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 5908593 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5735319 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908600 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5520203 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5520203 | XXXX | Original FICO Score | XXXX | XXXX |
| XXXX | XXXX | 5735321 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5735325 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908606 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908607 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5735323 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908611 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908611 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5735326 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908610 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908592 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908608 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908603 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908595 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5908601 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908609 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908609 | XXXX | Original FICO Score | XXXX | XXXX |
| XXXX | XXXX | 5908602 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 5908602 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | 5735327 | XXXX | CLTV | XXXX | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 4833281 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993230 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993238 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| XXXX | 5141342 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5908594 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5735321 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |
| XXXX | 4833280 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471165 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.88 | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993234 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 2055 (Exterior Only) | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520207 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520204 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4952052 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| XXXX | 5471175 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4952051 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4952058 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520199 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4952055 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 2055 (Exterior Only) | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993229 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993235 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| XXXX | 5447665 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5735322 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471174 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5735327 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471176 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.662% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807123 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520203 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993225 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5735324 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4833283 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471185 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471180 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 2055 (Exterior Only) | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908605 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5141338 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471184 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5735320 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5735325 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5735326 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807129 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471179 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908593 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807133 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993228 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| XXXX | 5520205 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520209 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807122 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4952057 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908601 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908604 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4952054 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471169 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520201 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471163 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520206 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908602 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5735323 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908606 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.545% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471171 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471177 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | $4000000.00 | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.600% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5141344 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5141343 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4952059 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 2055 (Exterior Only) | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520208 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807131 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807130 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4833277 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993233 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| XXXX | 5141346 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5520200 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5735318 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5520202 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5471182 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908607 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471164 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908592 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5141345 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5141348 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| XXXX | 5735319 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993236 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471178 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908596 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4833279 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471172 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908608 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807121 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471181 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4807120 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| XXXX | 5141341 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471167 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | $4200000.00 | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 4807124 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| XXXX | 5471170 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908597 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| XXXX | 5908611 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908599 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5141340 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471183 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993227 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908610 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4952056 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908609 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908600 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5908603 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5471168 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4833278 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXX | 5471166 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993232 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 5908595 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4993239 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | AVM | XX/XX/XXXX | XXXX | 0.95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

**DRMT 2025-CES1** 

**Due Diligence Review**

**Narrative Summary**

**October 8, 2025**

**Prepared by**

**Mission Global, LLC**

For

**Pretium Residential Credit Management, LLC**

This report summarizes the results of a due diligence review performed on a pool of fifty-one (51) loans. The loans were originally reviewed on behalf of provided by A&D Mortgage LLC ("A&D"). The loans were subsequently sold to Pretium Residential Credit Management, LLC (the "Client"). A&D provided Mission Global, LLC ("Mission") with a data tape, from which 100% of the loan sample was selected. The loan data was entered into and analyzed using the ***Mission Global Grade<sup>®</sup>*** Underwriting and Diligence grading solution. Mission performed a detailed credit re-underwrite and regulatory compliance review of 100% loans.

Mission Global is a technology-forward service provider built on a culture of deep client service. Mission is a rating agency approved Third Party Review firm delivering underwriting and compliance audits for residential and business purpose loans. Since 1994, Mission Global and its predecessor company, Global Financial Review have provided comprehensive loan due diligence, re-underwriting, and asset management services to clients in the financial services industry. In 2015, Global Financial Review merged with the leading Secondary market consulting firm Mission Capital Advisors, LLC to form Mission Global, LLC. In 2020, Mission Capital Advisors, LLC and Mission Global, LLC were acquired by the leading real estate sales, financing and advisory service firm and now a wholly-owned subsidiary of Marcus & Millichap (NYSE:MMI).

Mission performed a full credit re-underwrite, regulatory compliance, valuation and data integrity review to meet the criteria as published by the Nationally Recognized Statistical Rating Organizations. This deal is to be rated in accordance with the published criteria of Morningstar, Inc. - MDBRS. Mission performed the reviews over a period of time ranging from April 1, 2023 to January 30, 2025.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 1

The pool is a mix of Non-Qualified Mortgage (NQM) residential and investment mortgage loans secured in a second lien position. In the pool reviewed, one hundred seventy-nine (179) of the loans are considered QM qualified residential loans. The loan pool is all secured by residential single family or one-to-four unit multi-family condominiums, and PUD as collateral. There are fifty-one (51) loans secured in a second lien position.

&nbsp;&nbsp;&nbsp;&nbsp;1. File RE-Underwrite Credit Review

A full re-underwriting credit review was conducted to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was conducted through recalculation and review of documentation contained in the loan files and documents provided to Mission.

The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Guidelines and Overlays

For all loans underwritten to A&D Guidelines, there are two unique set of guidelines, those specific to first lien and a separate set applicable to second liens. Mission reviewed each mortgage loan to ensure it met the requisite guideline requirements as specified by the Client guidelines. In lieu of specific requirements, Mission also considered Regulation Z requirements including Appendix Q or Consider and Verify rules where applicable.

In addition to the guidelines there were three unique overlays for each type of loan program reviewed:

⮚ A&D Prime Rate - Primary & Investment <br> ⮚ 2nd Lien – ClosedEndA <br> ⮚ DSCR Rate – 2<sup>nd</sup> Lien

These combined guidelines and their overlays provided additional specific qualification requirements and program specific metric such as min and max loan amounts, cash out refinance limits, ranges of values for acceptance, geographic eligibility, escrow requirements, note, rate and term specific details, qualifying property types, residency requirements, limits on seller and third-party contributions, valuation and title requirements The guidelines and overlays also specified borrower requirements such as credit tradeline and credit event requirements, income and asset qualifications, and citizenship requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Employment and Income

The loans were all qualified using various methods; two (2) were full document loans and eighteen (18) were qualified using 12 month bank statements, and two (2) used employment income with W2/paystub or WVOE verification of employment. The remainder of the loans were income qualified in a variety of ways including verified Profit and Loss statement, retirement income, asset depletion imputed income, along with other self employment income documentation. In the case of investment purpose loans, twenty (20) used DSCR where rental property income and debt service coverage ratio was both estimated or stated, and/or verified through leases and rent rolls. Mission verified the file documentation for minimum required level of employment and income verifications in accordance with Client provided underwriting guidelines.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3 Income

Mission recalculates borrower(s) monthly gross income and verified calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines. The Underwriter used the lower of income stated on 1003 Application or stated/verified income. In all cases, Mission verified stated/verified income in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4 Assets

Mission confirmed the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity. Mission verified the file documentation for minimum required level of asset verification in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5 Debt-to-Income Ratio

On all primary or secondary residential loans, Mission recalculated and verified the debt-to-income ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. On investment loans if full property debt and income was available Mission calculated a property income-based DTI verification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6 Debt Service Coverage Ratio

On all investment related loans that were qualified under the DSCR Rate program, Mission recalculated and verified the Debt Service Coverage Ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. Rental income used in the calculation for each loan was either verified from an in-place lease and verification of payment or based upon projected market rents taken from the 1007 in the subject property appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7 Property Valuation

Mission analyzed all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Mission verified the valuation waterfall in each case to determine if based upon UCDP CU credit scores whether a Desk review or a second appraisal was required and to verify all valuation documentation met the requirements of Client provided underwriting guidelines. Where loans are seasoned beyond 24 months since origination an updated valuation is used to determine value is supported.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 3

In all cases where the collateral is residential based, the primary values were supported by secondary valuation tools including either an AVM, BPO, 2<sup>nd</sup> Appraisal, Appraisal Desk Review or a secondary Drive-By appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8 Loan-to-Value Ratio

Mission recalculated and verified the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and met Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.9 Credit History

Mission reviewed the initial credit reports used at origination and captured updated gap report values to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.10 Credit Scores

Mission captured FICO scores from credit reports used at origination and any updated gap report values to validate that borrower(s) met minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.11 Compensating Factors

Mission reviewed all provided guideline exceptions and verified exceptions to the Client provided underwriting guidelines were documented and that compensating factors were reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.12 First-time Homebuyers

A&D Guidelines do vary slightly as to their definition versus ASF definition. A&D considers all type of real estate owned by a borrower in its consideration for first-time homebuyers' designation including investment property, whereas ASF definition calls for a borrower to be considered first-time homebuyer only when they have never owned residential property only. Mission does not consider this a significant difference and follows A&D guidelines when reporting first-time homebuyer status.

&nbsp;&nbsp;&nbsp;&nbsp;2. Document Review

Mission's review each loan file confirmed the presence of material documentation as applicable to the specifics of the loan transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1 Title Commitment and Policy

Mission verified the presence of at a minimum the initial title commitment or final title policy. Mission confirmed the vested parties and the description of the property, liens and tax assessments. Given the recent origination of many of the loans contained only an initial title commitment. Comments on loans where the final title policy was still pending were noted in the resolution of each loan in the grading findings.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2 Mortgage Note & Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement were present and duly executed. Mission confirmed that Mortgage note was either fixed or adjustable according to requirements of the Client provided underwriting guidelines and captured relevant Note data specific to each loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3 Mortgage & Deed of Trust

Mission verified the presence of a copy Mortgage or Deed of Trust and confirmed that the documents were executed by all required parties and that all riders, addendums and exhibits as required exist in the loan file. Mission also verified that the Mortgage was recorded or sent for recording. Given the recent origination of many of the loans contained only an executed Mortgage not a recorded document. Comments on loans where recorded Mortgage was still pending were noted in the resolution of each loan in the grading findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.4 Income Documentation

Mission verified the presence of income and employment related documentation as required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.5 Asset Documentation

Mission verified the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.6 Proof of Insurance

Mission verified the presence of insurance policies and certificates for mortgage, hazard and flood insurance on each loan depending upon the specifics of the loan. Mission confirmed that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;3. Regulatory Compliance

For each primary or secondary home mortgage loan file Mission conducted a post-closing regulatory compliance review to verify that each loan was originated in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan. Mission further validated that the loans met the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending, as was applicable depending upon the specifics of the loan.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1 Federal Truth in Lending Act/Regulation Z

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 *I* §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3 day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2 Business Days as Defined by Regulation Z

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3 Home Ownership Equity Protection Act (HOEPA) testing, to include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.1 APR test [HOEPA (§1026.32(a)(l))] and [HPML(§1026.35(a)(l))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.3 Review and confirm documentation type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.4 Review for evidence of prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.5 Verification of Debt-to-Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Mission system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement that was verified for all covered loans.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 6

&nbsp;&nbsp;&nbsp;&nbsp;4. RESPA/Regulation X

Each investment purpose loan was reviewed by Mission to ensure compliance with the most current amendments to Regulation X. The RESPA/Regulation X review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.1 Good Faith Estimate (GFE)

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including confirming the presence of the current GFE form in effect at the time of origination and verification the GFE was provided to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2 Application Date

Application was defined by Regulation X and generally considered complete when the creditor collected information regarding the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower(s) First and Last Name

▪ Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

▪ Subject Property Address

▪ Mortgage Loan Amount Sought

▪ Estimation of Property Value

▪ Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.3 Broker Fees and Yield Spread

Mission verified that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.4 GFE Fees

Fees were reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.5 Change of Circumstance (COC)

Mission reviewed all available documentation to determine whether a Change of Circumstance (COC) form was required to accompany each revised Good Faith Estimate (GFE).

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 7

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.6 Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.1 Acts of God, war, disaster or other emergencies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.2 Information in particular to borrower or transaction
that was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.3 New information particular to the borrower or
transaction that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.4 Other circumstances that are particular to borrower
or transaction, including boundary disputes, need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.5 In the event any of the above occurs, the loan
originator is required to provide a new revised GFE to the borrower within three business days of receiving information sufficient to
establish "changed circumstances" and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.6 Rate Locks: If the rate has not been locked by
the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan
terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent
charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for "changed
circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.7 Final HUD-1

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including the presence of the current applicable Final HUD-1 form and that the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.8 Good Faith Estimate (GFE) and Final HUD-1 Analysis

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan.

This analysis included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.7 Analysis of Origination fees disclosed on the
Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Origination Charge

▪ Credit or Charge for Interest Rate Chosen

▪ Adjusted Origination Charge

▪ Transfer Taxes

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 8

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.8 Analysis of Third-Party fees disclosed on the
Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual
charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender-required settlement services (lender selects third-party provider);

▪ Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

▪ Government recording charges. Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.9 Analysis to confirm lender accurately provided
borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.10 Analysis to confirm loan terms are accurately
disclosed between the Good Faith Estimate(GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.11 Analysis to confirm page 3 of the HUD-1 accurately
reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;5. QM/ATR (Qualified Mortgage and Ability to Repay) Dodd Frank Review (Loans with
Application Date on or after 01/10/2014)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1 Ability-to-Repay:

All fifty-one (31) of the loans underwritten as Non-QM were subject to ATR testing. The remainder of the twenty (20) loans reviewed in this pool were all business purpose and therefore exempt from testing. Where ATR testing is applicable, Mission did verify that underwriter considered and verified ATR's eight verification steps for any origination. Mission verified documentation sufficient to run ATR checks on all applicable loans to meet ATR requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and assets

▪ Current employment status

▪ Monthly qualifying mortgage payment for the proposed loan

▪ Monthly qualifying mortgage payment for the simultaneous loan on the same property payments for taxes, insurance and HOA, and other housing expenses

▪ Debts, alimony and child support

▪ Qualifying monthly DTI

▪ Residual income

▪ Credit history

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 9

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2 Verification of ATR.

Mission did confirm that the underwriting met all Regulation Z Appendix Q, or in the case of loans originated after the new rules in effect as of July 1, 2021, all Consider and Verify requirements under the revised rule. All the verifications were made and each of the eight topic areas were confirmed to agree with the representations made by the lender, and there were no material credit exceptions to the lender's guidelines that would negate the Consider and Verify rules, the loan passed the ATR test. If any of the conditions fail or the loan lacked sufficient documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan was failed for the ATR test. In all cases the loans reviewed by Mission in this pool were reported as ATR-Pass or ATR-Exempt.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3 Qualified Mortgage.

All fifty-one (51) of the loans reviewed in this pool were all non-QM loans at origination or business purpose exempt and therefore not tested as Qualified Mortgages.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4 QM DTI/APOR Testing.

All fifty-one (51) of the loans reviewed in this pool were all non-QM loans at origination or business purpose exempt and therefore not tested as Qualified Mortgages.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.5 HPML Testing- QM APR.

Mission verified any applicable HMPL requirements for the Non-QM loans and verified these requirements met the rules for HPML loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6 Escrow Requirement – High Price Mortgage Loans (HPML)

Mission verified the required escrow accounts to be in place for the first five years of the transaction for all HPML loans in the pool.

&nbsp;&nbsp;&nbsp;&nbsp;6. TILA/RESPA Integrated Disclosures

Mission used following criteria was used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.2 Application Date

The Application Date is October 3, 2015, or later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.3 Purpose and Property Type

For those loans where the Purpose and Property Type included a closed-end mortgage secured by real estate and primary purpose was to occupy or hold as a second home (Purchase or Refinance).

**The loan Purpose and Property Type does not include:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Home Equity Lines of Credit

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 10

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reverse mortgages

▪ Dwellings that are not attached to real property

▪ Mobile homes, where the consumer does not own the land

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.4 TILA Exemption

Mission applied the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.5 TRID Loan Estimate ("LE")

Mission verified of compliance with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(l).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.6 Revised LE's

Mission verified any revision to the Initial LE and validated that the Revised LE was provided within three (3) days of COC, BRC or interest rate lock. Mission validated as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed Circumstance affecting settlement charges

▪ Change Circumstance affecting eligibility

▪ Revisions requested by the consumer

▪ Interest rate dependent charges

▪ Expiration of the LE and

▪ Delayed settlement date on a construction loan

▪ Timing Requirement for LE seven days prior to consummation

Mission also validated that settlement charges good through date, time and time zone were properly disclosed with minimum of ten (10) days during which borrower is permitted to shop knowing fees are locked during that timeframe.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 11

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.7 Determination of Final LE

Mission analyzed each LE in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as set forth above, findings were cited. If the Revised LE was issued without a valid reason, the previous valid LE was considered the Binding LE for the purposes of comparison with the Closing Disclosure. Mission verified compliance with timing requirements to ensure there were no loan estimates provided to the borrower after a Closing Disclosure had been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.8 LE Confirmation of Receipt

If the LE did not contain a signature line for the consumer's confirmation of receipt, then Mission verified electronic delivery of documents provided to borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9 Closing Disclosures

Mission analyzed each Closing Disclosure in the file all sections of Closing Disclosures were completed (no blanks, ''NA's" or incomplete sections) and the Disclosure is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.1 Mission verified that the correct form is used and General loan information and loan terms sections
were completed, and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.2 Verified the loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.3 Verified all applicants applying for credit, as disclosed on the application, are listed on the
CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.4 Verified critical section such as "Can this amount increase after closing?" and "Does
the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.5 If rate was locked, Mission verified lock expiration date, time and time zone was disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.6 Validated projected Payments and Estimated Taxes, Insurance & Assessments sections were complete
and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.7 Verified the Closing Costs and Cash-to-Close sections were complete and accurate based on the information
provided on page 2 of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.8 Verified fees disclosed properly (alphabetical order within Section with certain exceptions, and
all title fees start with "Title - ") were accurate in the Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.9 Validated when Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is
Adjustable Payment ("AP") Table were disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.10 Validated when ARM or Step Rate, that Adjustable Interest Rate ("AIR") Table was properly
disclosed and accurate based on the early disclosures in the file.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 12

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.11 Verified the Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.12 Validated that all Rounding rules were verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.13 Validated the Other Considerations Section was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.10 Written List of Providers

Mission verified that if the lender placed fees in the Services You Can Shop For category, that the file properly contained a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must have included at least one available provider for each service and state the consumer may choose a different provider for that service. If a WLSP was not provided, the fees will be treated as a 10% Tolerance fee and a finding for missing service provider list will be noted. If a WLSP is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee and a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11 Variance Testing

Mission deploys in its testing one or the other of the following Variance Categories in performing variance tests:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.1 **Zero Tolerance Variance** - A finding will be cited if any
 charges increase from the Binding LE to the Final CD without COC or BRC.Such increases
 include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fees paid to the lender, broker or an affiliate of either lender or broker [except fees paid to an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

▪ Fees paid to an unaffiliated third party if the lender did not permit the borrower to shop for servicer; and

▪ Transfer taxes.

▪ Lender Credits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.2 10% Tolerance Variance- A finding will be cited if the aggregate of
the charges increased by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but
not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to
CFR 19(e)(3)(ii)-5. Such increases
include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Recording fees; and

▪ Charges for third party services not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor's Written List of Service Providers.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 13

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.3 Prepaid mortgage insurance will be treated as a 10% tolerance fee if
it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a Zero Tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.4 No Tolerance/Unlimited - No finding will be cited if any of the charges
change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the
creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid interest;

· Property insurance premiums;

· Impounds/Escrows;

· Charges for services required by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the lender's Written Service Provider List; and

· Charges for third party services not required by the creditor (even if paid to an affiliate of the creditor).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.5 Prepaid property taxes charged by local and state governments periodically
will have no tolerance under the general 'best information reasonably available' standard unless otherwise instructed by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.6 As noted above, Mission reviewed the loan file for evidence the disclosure
was not made in "Good Faith". "Good faith" means the creditor made the estimate based on the information reasonably
available to them at the time the LE was provided. Absent such evidence, Mission will consider the disclosures made in "good faith".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.7 Additionally, if a documented valid COC or BRC occurred resulting in
a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed
based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after the initial CD has been provided) provided
that the change is related to the COC or BRC per Comment 19(e)(4)(ii)-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.8 For loans with no Interim LE and no COC or BRC occurring four (4) days
prior to consummation, fees and charges on the CD were tested for compliance with permitted variances against fees disclosed on Initial
LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.9 For loans with an Interim LE, the review of each Interim LE and fees
and charges on the CD were tested for compliance with variance thresholds against fees supported by a valid COC or BRC related to the
charge that increases.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.10 In those cases where an Interim LE was issued with several fee increases,
but only some are supported by or related to a valid COC or BRC, those fees which are not supported by or related to a valid COC, BRC
or disclosed on an LE that was not provided timely (within three (3) business days of changed circumstance) were tested for variance using
the amounts disclosed in the Initial LE previously valid LE.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 14

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12 TRID Review - Closing Disclosures ("CD")

Mission conducted a full Closing Disclosure review and verified the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.1 That the correct form was used and all sections of the CD were completed
(no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.2 Acknowledgement of receipt, either by signature or evidence of electronic
delivery by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with
a copy of the CD. This could include the non-borrowing spouse. Acknowledgement is based on either signature, evidence of electronic delivery
or by apply the common mail rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.3 If a subsequent CD was issued with changes to (a) the loan product which
affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously disclosed
APR by more than the permitted tolerances for accuracy, Mission validated that the borrower was given an additional three (3)-business
day waiting period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the
APR, and that the final pre-close CD has been received by borrower by consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.4 On the final CD the following checks and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.5 Verification of the technical formatting of the CD is out of scope in
the standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.6 Closing, Transaction and Loan Information sections have been completed
with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.7 Loan terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.8 Mission will verify loan term, purpose, and product descriptions follow
the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.9 Mission will verify all applicants applying for credit, as disclosed
on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.10 "Can this mount increase after closing?" and "Does the
loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.11 Projected Payments and Estimated Taxes, Insurance & Assessments
sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.12 Fees have been disclosed properly (alphabetically, correct buckets and
all title fees start with "Title - ") in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.13 Any additional fees for sections other than Section C (Services You
Can Shop For).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.14 Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.15 Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.16 CD Assumption, Demand Feature, Negative Amortization, and Partial Payments
sections completed properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.17 Late Payment completed properly (terms disclosed and accurate per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.18 Escrow Amount section was completed properly (only one box selected
and amounts disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.19 Escrow Property Costs over Year 1 to be calculated per the payments
scheduled to be made in a 1 year period after consummation (1026.38)1)(7)(i) (A)(I).

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 15

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.20 Non-Escrowed Property Costs over 1 Year to be calculated using either
11 or 12 months as determined by client. (1026.38)(1)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.21 If Interest Only, Optional Payments, Step Payments, or Seasonal Payments,
is

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.22 Adjustable Payment ("AP") Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.23 If ARM or Step, is Adjustable Interest Rate ("AIR") Table
was disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.24 Loan Calculations sections were complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.25 Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.26 Include fees in section A, B, and C that are paid by the borrower as
well as the seller or other if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.27 Mission captured amounts disclosed in Loan Calculations section and
tested for TILA tolerance violations on disclosed APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.28 Mission confirmed the Total Interest Percentage (TIP) was accurate with
proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.29 Other Disclosures section was complete with at least one choice selected
as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.30 Rounding rules were verified as per 1026.38(t)(4). Rounding on all percentages
except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place (7.250 should be rounded to 7.25).

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 16

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13 TRID Method of Delivery/Receipt LE and CD

Mission verified the method of receipt of the revised LE and CD and performed a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.1 In Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.2 Electronic - No Receipt Confirmation in File: three (3) business days
from later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.3 Electronic - With Receipt Confirmation in File, date of receipt confirmation
is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.4 Electronic - Delivery confirmation of an email, assuming the borrower(s)
have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.5 Mail (USPS or other parcel delivery service) - No Receipt Confirmation
in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery confirmation, i.e., confirmation
that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction
constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.6 Mail (USPS or other parcel delivery service) - With Receipt Confirmation
in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s)
door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt,
for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures
in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue
date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will
be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.7 Electronic Disclosures. If disclosures were sent electronically, a finding
was cited if there was no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three
(3) business day mail rule for delivery without the proper documentation of borrower consent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.14 Other TRID Compliance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.14.1 Mission verified that the Home Loan Toolkit was present. If not present,
a finding was cited if the Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in
the file or was not provided to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.14.2 Consummation Date: Consummation varies by applicable state law and the
term is not often clearly defined. Accordingly, Mission used the notary date of the Deed of Trust to confirm consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.14.3 Post-Consummation Disclosures: As noted in the findings resolutions,
the creditor used a Post-consummation Closing Disclosure to either correct clerical errors and clear findings or to cure pre-consummation
fee tolerance errors and clear findings. In all cases, Mission confirmed the testing against the Post-consummation Closing Disclosure
before findings were resolved.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 17

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15 SUBSEQUENT CHANGES AFTER CONSUMMATION

There were loans in the pool reviewed by Mission that contained findings related to issues that could only be cured by issuance of a Post-close Closing Disclosure. The following prescribed cures as set forth in section 1026.19 (t)(2)(iii) through (v) that are acceptable for changes and corrections to the Final CD after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15.1 Section 1026.19(t)(2)(iii) - Changes due to events occurring after consummation.
If within 30 days of consummation or as in this case, within 30 days of creditor first becoming aware of the existence of an event, an
event occurs that causes the final CD to become inaccurate and such inaccuracy results in a change to an amount actually paid by the borrower(s)
from the amount disclosed, Mission tested for evidence that a new, corrected CD was delivered or placed in the mail to the borrower within
thirty (30) days of receiving information that an event occurred.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15.2 Section 1026.19(f)(2)(iv)- Changes due to clerical errors. Non-numeric
clerical errors, for the purpose of this scope are any error not related to a disclosed dollar amount or percentage. Where applicable,
Mission tested for evidence that a new, corrected Post-Closing CD was delivered or placed in the mail to the borrower within sixty (60)
calendar days of consummation, or within sixty (60) calendar days of the first date of which the creditor becomes aware of such error.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15.3 Section 1026.19(f)(2)(v)-Refunds related to the good faith analysis.
Where applicable, Mission identified findings related to fee disclosures and brought such findings to the attention of the creditor. As
noted in the resolution of these findings, the Creditor acted in Good Faith and cured these findings by issuing a corrected Post-Closing
CD and where a fee tolerance violation occurred the Creditor issued a refund to the borrower. In all cases, Mission tested for evidence
such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within
the timeframe necessary as noted in the resolution to the findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15.4 A post-consummation CD is understood to be issued with a Date Issued
represented as the date the post-consummation CD was issued.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15.5 Errors on LE's and Interim CD's and numeric errors on final CD's which
do not have prescribed cures as per the regulation were not be reported as having been cured. The assessment of risk and decision to accept
a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 18

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16 Additional Disclosures and Requirements:

Mission confirmed compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.1 Confirmed the presence of the Home Loan Tool Kit is in file for covered
loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.2 Confirmed the presence of the Affiliated Business Disclosure in file
in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.3 Confirmed the Affiliated Business Disclosure provided within three general
business days of "Application" (Mission reviews for this disclosure to be provided within three general business days, as the
lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.4 Confirmed the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.5 Confirmed the presence of the Initial Escrow Disclosure Statement in
file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.6 Confirmed the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.7 Confirmed that each mortgage loan adhered to flood insurance coverage
requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate
coverage amounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17 High Cost- State & Local Anti-Predatory Regulations:

In addition to federal thresholds, Mission reviewed the anti-predatory lending statutes in the following states and local municipalities, as applicable:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.1 Arkansas Home Loan Protection Act, AR. Stat. Ann.§ 23-53-101 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.2 California Anti-Predatory Lending Statute, CA. Fin. Code§ 4970
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.3 4.3 California
 Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.4 4.4 Colorado
 Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bi11216 (2007) and House Bi111322
 (2007)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.5 Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.6 Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann.
§ 36a-746 et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.7 Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§
36a-760 et seq. (as originally enacted and as amended by Senate Bill 949.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.8 District of Columbia Home Loan Protection Act of 2002, D.C. Official
Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure Act of2007.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.9 Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.10 Georgia Fair Lending Act, GA. Stat. Ann.§ 7-6A-1 et seq. (as originally
enacted by House Bill 02-1361 and as modified by Senate Bill 03-53)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.11 Idaho Residential Mortgage Practices Act, ID. Code§ 26-3101 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.12 Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§ 137/5
et seq.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 19

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.13 Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code §
345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.14 Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.15 City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago
Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.16 Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No.
240864 (2001) as amended by Illinois SB 1167 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.17 Indiana Home Loan Practices Act, IN. Code§ 24-9-1-1 et seq. and
as amended by 2005 In. P.L. 141 § 6 P2013-011.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.18 Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq.
Sections 16a-1-301, 16a-3- 207 and 16a-3-308a.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.19 Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100
et seq. and as amended by KY. House Bill 552 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.20 Maine, An Act to Enhance Consumer Protections in Relation to Certain
Mortgages, 9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.21 Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127;
12-409.1; 12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.22 Maryland Regulations for Higher Priced Mortgage Loans, as promulgated
under the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.23 Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et
seq. including MA. House Bill4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.24 Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA.
Code Regs. §§ 32.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.25 Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter
183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.26 Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §
8.00 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.27 Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.28 Minnesota Mortgage Originator and Service Licensing Act, § 58.137
etal. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.29 Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§
45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.30 Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et
seq. and as amended by AB 440 and492.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.31 New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. §C:46:10
B-22 et seq. and as amended by PL. 2004, Ch. 84 § 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.32 New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1
et seq. and as amended by Senate Bill 342 (2009 High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003)
and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-1 (2003) and 6-m (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.33 New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.34 New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented
by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-1 (2003) and 6-m (2008).

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 20

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.35 North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§
24-l.1 to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-l.l(E)(a); 24-10.2(a)
and as amended by House Bill1817 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.36 Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§
1349.25 to 1349.37and § 1.63 and as amended by S.B. 185.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.37 City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance
No. 72-2003.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.38 Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.39 Oklahoma Higher -Priced Mortgage Loans Law, OK. Admin. Code§§
160:45-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.40 Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann.
§ 456.501 et seq. 4.41 City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.41 Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI.
Gen. Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.42 South Carolina High-Cost and Consumer Home Loans Act, SC. Code§
37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.43 South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.44 Tennessee Home Loan Protection Act, TN. Code Annotated §§
45-20-101 et seq., Title 47 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.45 Texas High-Cost Home Loan Statute, TX. Fin. Code Ann.§ 343.201
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.46 Texas Constitution, Section 50(a)(6), Article XVI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.47 Utah Residential Mortgage Practices Amendments, UT. Code Ann.§
61- 2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.48 Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.49 Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation
B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.50 Virginia Mortgage Lender and Broker Act (for loans originated prior
to July 1, 2003), VA. Code Ann.§§ 6.1-413; 6.1-422, 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.51 Virginia Mortgage Lender and Broker Act (for loans originated after
July 1, 2003), VA. Code Ann.§§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.52 Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter
108, Laws of 2008.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.53 Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. §
428.202. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.54 West Virginia Residential Mortgage Lender, Broker and Servicer Act,
WV. Code § 31-17-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.55 Wyoming Credit Code, WY. Stat. Ann.§§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.18 Regulatory Compliance Disclaimer

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

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 21

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19 Misrepresentation and Third-Party Report Review

Mission verified that fraud reports were present on all loans and independent third-party property valuations reports are in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.1 Misrepresentation Review

Mission validated the presence of a Fraud Guard report on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.2 Alerts

Mission validated credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.3 Social Security Numbers

Mission verified SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.4 Document Integrity

Mission validated to the extent possible for apparent alterations to loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.5 Data Consistency

Mission validated the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.6 Third Party Fraud Tools

To the extent a third-party Fraud Guard was present in the loan file, Mission reviewed high level or critical warnings were reviewed and addressed.

&nbsp;&nbsp;&nbsp;&nbsp;7. Data Integrity Review

Mission was provided with a Client bid tape to conduct a Data Integrity Review. The Client provided a data tape with the following data fields and Mission compared the field to the applicable source document and reported all variances.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 22

The following fields were provided and compared:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Borrower Total Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Citizenship

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower First Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower LastName

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower FirstName

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Closing Settlement Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· First Payment Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Monthly PI or IO Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lender Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· MIN No

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Origination Channel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Number of Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Primary Appraised Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property County

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Qualifying CLTV

&nbsp;&nbsp;&nbsp;&nbsp;8. Loan and Exception Level Grading Methodology

Pursuant to the applicable NRSRO criteria, Mission graded each loan exception with an event level 1 for exceptions findings that are informational in nature, event level 2 for exceptions findings that are considered non-material, event level 3 for exceptions findings that are considered material. In accordance applicable NRSRO criteria exceptions and overall initial loan grades and final loan Grades were assigned with an A, B, C or D. The methodology for the application of RMBS grading is defined by each NRSRO in their current industry publications as updated from time to time.

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 23

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

**NRSRO GRADING METHODOLOGY**

---

| | | |
|:---|:---|:---|
| **MDBRS Ratings Grade** | **# of Loans** | **% of Loans (by count) in<br> MISSION Population** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;43 | 84.3% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 | 15.7% |
| C | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;&nbsp;0% |
| D | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;&nbsp;0% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO GRADE SUMMARY** | | |
| &nbsp;&nbsp;**NRSRO GRADE** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans (by count) in<br> MISSION Population** |
| &nbsp;&nbsp;**CREDIT** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;48 | &nbsp;&nbsp;94.1% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.9% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 24

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY/VALUE** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp; 46 | &nbsp;&nbsp;90.2% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp; 5 | &nbsp;&nbsp; 9.8% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp; 0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp; 0 | &nbsp;&nbsp;0% |

---

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 25

**DATA INTEGRITY REVIEW**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** |
| **DRMT 2025-CES1** |  |  |  |  |
| **Run Date - 10/8/2025 14:00:00 PM** |  |  |  |  |
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**Comments** |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;All Income was verified for each borrower |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;8 | &nbsp;&nbsp;51 | &nbsp;&nbsp;15.69% | &nbsp;&nbsp;All variances were verified by Mission<br> using either the 1003 date or the credit<br> report date |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;6 | &nbsp;&nbsp;51 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;All variances were spelling differences in the<br> tape vs on the note. |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;All variances were spelling differences in the<br> tape vs on the note. |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;45 | &nbsp;&nbsp;49 | &nbsp;&nbsp;91.84% | &nbsp;&nbsp;In all cases Mission verified closing dates<br> from the relevant closing documents. |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;In all cases Mission recalculated DSCR<br> from relevant income and credit documents. |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;51 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;In all cases Mission verified first payment<br> date from the promissory note. |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;7 | &nbsp;&nbsp;51 | &nbsp;&nbsp;13.73% | &nbsp;&nbsp;In all cases Mission verified payment<br> amounts from the promissory note. |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;LenderName | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;It appears that this loan changed<br> programs during underwriting. |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;MortgageOriginationChannel | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;Mission verified property values from the<br> appraisal. |

---

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 26

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;4 | &nbsp;&nbsp;51 | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;All variances were various slight spelling<br> differences in the tape vs on the deed of<br> trust. |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;5 | &nbsp;&nbsp;51 | &nbsp;&nbsp;9.80% | &nbsp;&nbsp;In all cases Mission verified property<br> addresses from the deed of trust. |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;All differences are enumerations are<br> related to ASF enumerations. In each case<br> mission verified the Property type from<br> the appraisal. |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;QMQualifyingHousingDebtIncomeRatio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;In all cases differences were due to<br> balances on 2nd lien loans. |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;25 | &nbsp;&nbsp;51 | &nbsp;&nbsp;49.02% | &nbsp;&nbsp;Mission verified property values from the<br> appraisal. |
| &nbsp;&nbsp;RefinanceType | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;TotalDebtIncomeRatio | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;UnderwritingGuidelineLenderName | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;UnderwritingGuidelineName | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;VerifiedDocType | &nbsp;&nbsp;4 | &nbsp;&nbsp;51 |  | &nbsp;&nbsp;Mission uses ASF defined doc types used<br> for income qualification an dthe lender<br> tape differs from these enumerations. |

---

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 27

**POOL DETAILS**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**AMORTIZATION TYPE** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of <br> Pool** | &nbsp;&nbsp;**BORROWER CITIZENSHIP** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of<br> Pool** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Foreign National | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;Non-Permanent Resident Alien | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% |
|  |  |  | &nbsp;&nbsp;Permanent Resident Alien | &nbsp;&nbsp;6 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;**LOAN TYPE** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of <br> Pool** | &nbsp;&nbsp;US Citizen | &nbsp;&nbsp;42 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;Refinance - Cash Out | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |  |  |  |
|  |  |  | &nbsp;&nbsp;**OCCUPANCY** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of<br> Pool** |
| &nbsp;&nbsp;**ORIGINAL INTEREST RATE** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of<br> Pool** | &nbsp;&nbsp;Investment | &nbsp;&nbsp;27 | &nbsp;&nbsp;52.94% |
| &nbsp;&nbsp;>= 8.000% | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;24 | &nbsp;&nbsp;47.06% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**QUALIFYING FICO** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of<br> Pool** | &nbsp;&nbsp;**PROPERTY TYPE** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of<br> Pool** |
| &nbsp;&nbsp;601 - 700 | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;6 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;701 - 800 | &nbsp;&nbsp;45 | &nbsp;&nbsp;88.24% | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;801 - 900 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;No FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;9.80% |
|  |  |  | &nbsp;&nbsp;PUD | &nbsp;&nbsp;13 | &nbsp;&nbsp;25.49% |
| &nbsp;&nbsp;**VERIFIED DTI** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of<br> Pool** | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;22 | &nbsp;&nbsp;43.14% |
| &nbsp;&nbsp;< 10 or Null | &nbsp;&nbsp;22 | &nbsp;&nbsp;43.14% | &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;10 - 19 | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% |  |  |  |
| &nbsp;&nbsp;20 - 29 | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;**VERIFIED DSCR** | &nbsp;&nbsp;**Count** | **% of<br> Pool** |
| &nbsp;&nbsp;30 - 39 | &nbsp;&nbsp;8 | &nbsp;&nbsp;15.69% | &nbsp;&nbsp;1.00 - 1.99 | &nbsp;&nbsp;19 | &nbsp;&nbsp;37.25% |
| &nbsp;&nbsp;40 - 49 | &nbsp;&nbsp;15 | &nbsp;&nbsp;29.41% | &nbsp;&nbsp;2.00 - 2.99 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;N/A | &nbsp;&nbsp;31 | &nbsp;&nbsp;60.78% |
|  |  |  | &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** |

---

Confidential and Privileged. Use is restricted without the written consent of the Author. P a g e \| 28

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

![](ex99-6sch1_001.jpg)

**Data Compare Detail Report**

**DRMT 2025-CES1**

**Run Date - 10/8/2025 14:00:00 PM**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** |
| XXXXXX-2025-CES1-46 |  |  | [Redacted] | All Borrower Total Income | the1008Page | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-22 |  |  | [Redacted] | Application Date | complianceDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-29 |  |  | [Redacted] | Application Date | complianceDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-30 |  |  | [Redacted] | Application Date | complianceDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-33 |  |  | [Redacted] | Application Date | complianceDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-34 |  |  | [Redacted] | Application Date | complianceDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-35 |  |  | [Redacted] | Application Date | complianceDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-41 |  |  | [Redacted] | Application Date | complianceDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-44 |  |  | [Redacted] | Application Date | complianceDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-11 |  |  | [Redacted] | Borrower 1 First Name | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-2 |  |  | [Redacted] | Borrower 1 Last Name | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-3 |  |  | [Redacted] | Calculated DSCR | diligenceFinalLookPage | 1.43 | 1.32 |
| XXXXXX-2025-CES1-14 |  |  | [Redacted] | Calculated DSCR | diligenceFinalLookPage | 1.14 | 1.12 |
| XXXXXX-2025-CES1-30 |  |  | [Redacted] | Calculated DSCR | diligenceFinalLookPage | 1.415 | 1.414 |
| XXXXXX-2025-CES1-1 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-2 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-3 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-4 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-5 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-6 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-7 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-8 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-9 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-11 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-13 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-14 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-15 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-16 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-17 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-18 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-19 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-20 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-21 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-22 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-23 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-24 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-25 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-26 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-27 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-28 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-29 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-30 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-31 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-32 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-33 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-34 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-35 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-36 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-37 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-39 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-40 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-42 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-43 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-44 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-45 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-46 |  |  | [Redacted] | Closing/Settlement Date | hudClosingDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-48 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-49 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-50 |  |  | [Redacted] | Closing/Settlement Date | finalCdDetailPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-1 |  |  | [Redacted] | CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-4 |  |  | [Redacted] | Initial Monthly P&I Or IO Payment | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-10 |  |  | [Redacted] | Initial Monthly P&I Or IO Payment | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-11 |  |  | [Redacted] | Initial Monthly P&I Or IO Payment | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-20 |  |  | [Redacted] | Initial Monthly P&I Or IO Payment | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-22 |  |  | [Redacted] | Initial Monthly P&I Or IO Payment | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-41 |  |  | [Redacted] | Initial Monthly P&I Or IO Payment | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-45 |  |  | [Redacted] | Initial Monthly P&I Or IO Payment | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-12 |  |  | [Redacted] | Loan Program | the1003Page | NQM: 1Y Full Doc ClosedEndA NQM Second 30YF | NQM_Second_30YF |
| XXXXXX-2025-CES1-1 |  |  | [Redacted] | Primary Appraised Property Value | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-3 |  |  | [Redacted] | Property Address | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-10 |  |  | [Redacted] | Property Address | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-11 |  |  | [Redacted] | Property Address | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-30 |  |  | [Redacted] | Property Address | notePage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-16 |  |  | [Redacted] | Property County | deedOfTrustPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-17 |  |  | [Redacted] | Property County | deedOfTrustPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-18 |  |  | [Redacted] | Property County | deedOfTrustPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-25 |  |  | [Redacted] | Property County | deedOfTrustPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-47 |  |  | [Redacted] | Property County | deedOfTrustPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-11 |  |  | [Redacted] | Property Type | propertyValuationPage | Condominium High Rise | Condominium |
| XXXXXX-2025-CES1-1 |  |  | [Redacted] | QM Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-9 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-11 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-13 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-14 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-15 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-16 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-17 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-18 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-22 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-23 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-26 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-27 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-29 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-31 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-32 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-33 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-34 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-35 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-37 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-38 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-40 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-41 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-43 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-45 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-49 |  |  | [Redacted] | Qualifying CLTV | propertyValuationPage | [Redacted] | [Redacted] |
| XXXXXX-2025-CES1-10 |  |  | [Redacted] | TPR Qualifying Income Doc Type | employmentIncomePage | CPA Verified | Full Doc |
| XXXXXX-2025-CES1-44 |  |  | [Redacted] | TPR Qualifying Income Doc Type | employmentIncomePage | W2/Paystub Verified | Full Doc |
| XXXXXX-2025-CES1-46 |  |  | [Redacted] | TPR Qualifying Income Doc Type | employmentIncomePage | 2YR Business P&L | Business P&L |
| XXXXXX-2025-CES1-49 |  |  | [Redacted] | TPR Qualifying Income Doc Type | employmentIncomePage | 2YR Business P&L | Business P&L |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| |
|:---|
| ![](ex99-6sch1_002.jpg) |
| **Rating Agency Grades Summary Report** |
| **DRMT 2025-CES1** |
| **Run Date - 10/8/2025 14:00:00 PM** |

---

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Investor ID** | **Seller Loan ID** | **Original Loan Amount** |
| XXXXXX-2025-CES1-1 | XXXXXX-2025-CES1-1 |  | [Redacted] A D B |
| XXXXXX-2025-CES1-2 | XXXXXX-2025-CES1-2 |  | [Redacted] D A |
| XXXXXX-2025-CES1-3 | XXXXXX-2025-CES1-3 |  | [Redacted] C A B |
| XXXXXX-2025-CES1-4 | XXXXXX-2025-CES1-4 |  | [Redacted] A |
| XXXXXX-2025-CES1-5 | XXXXXX-2025-CES1-5 |  | [Redacted] A B |
| XXXXXX-2025-CES1-6 | XXXXXX-2025-CES1-6 |  | [Redacted] A |
| XXXXXX-2025-CES1-7 | XXXXXX-2025-CES1-7 |  | [Redacted] A B |
| XXXXXX-2025-CES1-8 | XXXXXX-2025-CES1-8 |  | [Redacted] A C |
| XXXXXX-2025-CES1-9 | XXXXXX-2025-CES1-9 |  | [Redacted] A |
| XXXXXX-2025-CES1-10 | XXXXXX-2025-CES1-10 |  | [Redacted] A D |
| XXXXXX-2025-CES1-11 | XXXXXX-2025-CES1-11 |  | [Redacted] D A |
| XXXXXX-2025-CES1-12 | XXXXXX-2025-CES1-12 |  | [Redacted] A |
| XXXXXX-2025-CES1-13 | XXXXXX-2025-CES1-13 |  | [Redacted] A |
| XXXXXX-2025-CES1-14 | XXXXXX-2025-CES1-14 |  | [Redacted] A |
| XXXXXX-2025-CES1-15 | XXXXXX-2025-CES1-15 |  | [Redacted] A |
| XXXXXX-2025-CES1-16 | XXXXXX-2025-CES1-16 |  | [Redacted] C A |
| XXXXXX-2025-CES1-17 | XXXXXX-2025-CES1-17 |  | [Redacted] A |
| XXXXXX-2025-CES1-18 | XXXXXX-2025-CES1-18 |  | [Redacted] D A |
| XXXXXX-2025-CES1-19 | XXXXXX-2025-CES1-19 |  | [Redacted] A |
| XXXXXX-2025-CES1-20 | XXXXXX-2025-CES1-20 |  | [Redacted] C A |
| XXXXXX-2025-CES1-21 | XXXXXX-2025-CES1-21 |  | [Redacted] A |
| XXXXXX-2025-CES1-22 | XXXXXX-2025-CES1-22 |  | [Redacted] D A |
| XXXXXX-2025-CES1-23 | XXXXXX-2025-CES1-23 |  | [Redacted] A |
| XXXXXX-2025-CES1-24 | XXXXXX-2025-CES1-24 |  | [Redacted] A |
| XXXXXX-2025-CES1-25 | XXXXXX-2025-CES1-25 |  | [Redacted] D A |
| XXXXXX-2025-CES1-26 | XXXXXX-2025-CES1-26 |  | [Redacted] A |
| XXXXXX-2025-CES1-27 | XXXXXX-2025-CES1-27 |  | [Redacted] A |
| XXXXXX-2025-CES1-28 | XXXXXX-2025-CES1-28 |  | [Redacted] A |
| XXXXXX-2025-CES1-29 | XXXXXX-2025-CES1-29 |  | [Redacted] A |
| XXXXXX-2025-CES1-30 | XXXXXX-2025-CES1-30 |  | [Redacted] A |
| XXXXXX-2025-CES1-31 | XXXXXX-2025-CES1-31 |  | [Redacted] A |
| XXXXXX-2025-CES1-32 | XXXXXX-2025-CES1-32 |  | [Redacted] A |
| XXXXXX-2025-CES1-33 | XXXXXX-2025-CES1-33 |  | [Redacted] D A |
| XXXXXX-2025-CES1-34 | XXXXXX-2025-CES1-34 |  | [Redacted] D A |
| XXXXXX-2025-CES1-35 | XXXXXX-2025-CES1-35 |  | [Redacted] D A B |
| XXXXXX-2025-CES1-36 | XXXXXX-2025-CES1-36 |  | [Redacted] A |
| XXXXXX-2025-CES1-37 | XXXXXX-2025-CES1-37 |  | [Redacted] A |
| XXXXXX-2025-CES1-38 | XXXXXX-2025-CES1-38 |  | [Redacted] C A B |
| XXXXXX-2025-CES1-39 | XXXXXX-2025-CES1-39 |  | [Redacted] A |
| XXXXXX-2025-CES1-40 | XXXXXX-2025-CES1-40 |  | [Redacted] A |
| XXXXXX-2025-CES1-41 | XXXXXX-2025-CES1-41 |  | [Redacted] B A |
| XXXXXX-2025-CES1-42 | XXXXXX-2025-CES1-42 |  | [Redacted] A |
| XXXXXX-2025-CES1-43 | XXXXXX-2025-CES1-43 |  | [Redacted] A C B |
| XXXXXX-2025-CES1-44 | XXXXXX-2025-CES1-44 |  | [Redacted] A |
| XXXXXX-2025-CES1-45 | XXXXXX-2025-CES1-45 |  | [Redacted] A |
| XXXXXX-2025-CES1-46 | XXXXXX-2025-CES1-46 |  | [Redacted] C A |
| XXXXXX-2025-CES1-47 | XXXXXX-2025-CES1-47 |  | [Redacted] A |
| XXXXXX-2025-CES1-48 | XXXXXX-2025-CES1-48 |  | [Redacted] A |
| XXXXXX-2025-CES1-49 | XXXXXX-2025-CES1-49 |  | [Redacted] D A |
| XXXXXX-2025-CES1-50 | XXXXXX-2025-CES1-50 |  | [Redacted] A |
| XXXXXX-2025-CES1-51 | XXXXXX-2025-CES1-51 |  | [Redacted] A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| |
|:---|
| ![](ex99-6sch3_001.jpg) |
| **Rating Agency Grades Detail Report** |
| **DRMT 2025-CES1** |
| **Run Date - 10/8/2025 14:00:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXXXX-2025-CES1-1 |  | D B A | Closed | FPRO1242 | 2023-05-17 10:09 | 2023-05-31 11:19 | Waived | 2 - Non-Material D B | Property | Missing Doc | Appraisal is Missing | Waived-Allow to use BPO instead of Appraisal report for XX lien - Due Diligence Vendor-05/31/2023 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/31/2023 <br> Ready for Review-Document Uploaded. but we have BPO, I mentioned it in a first time. Please see p.301-307 of XX_XX - Buyer-05/30/2023 <br> Counter-Exception is not acceptable Need a drive by appraisal or bpo. - Due Diligence Vendor-05/26/2023 <br> Ready for Review-Document Uploaded. yes, you are right, the exception wasn't merged - Buyer-05/25/2023 <br> Counter-Per your guidelines an appraisal is still required, dated with in 360 days. Guidelines state: "Full Appraisal completed within the last 360 days supported by AVM ordered by [Redacted] internally (10% variance with confidence score of >=90%) o If Appraisal is not supported by AVM, then Drive by/ Second Appraisal will be required" - Due Diligence Vendor-05/24/2023 <br> Ready for Review-Please be advised that this is XX lien. We have BPO instead of Appraisal report. - Buyer-05/24/2023 <br> Open- - Due Diligence Vendor-05/17/2023 |  | Waived-Allow to use BPO instead of Appraisal report for 2nd lien - Due Diligence Vendor-05/31/2023 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/31/2023<br>|  | Revolving debt is under 30%, 5 years on current job, DTI >=10% lower than loan program, 10 years or more in same line of<br> employment, LTV 10% below maximum | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 971206 |
| XXXXXX-2025-CES1-2 |  | D A | Closed | FCOM5413 | 2023-09-13 10:08 | 2023-09-20 13:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Resolved-lender confirmed no PPP - Due Diligence Vendor-09/20/2023 <br> Ready for Review-Per lock, the PPP is waived for this file - Buyer-09/19/2023 <br> Open-Pls confirm if no prepayment in the [Redacted] state - Due Diligence Vendor-09/13/2023 |  | Resolved-lender confirmed no PPP - Due Diligence Vendor-09/20/2023<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 1154543 |
| XXXXXX-2025-CES1-2 |  | D A | Closed | FCRE1964 | 2023-09-13 09:22 | 2023-09-20 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-DTI is now 39.8. lender removed the mtg differential income as they could not verify it - Due Diligence Vendor-09/20/2023 <br> Ready for Review-Document Uploaded. This income has been removed, DTI still acceptable - Buyer-09/20/2023 <br> Open-Borrower received Mortgage Differential Payments income $[Redacted]. Supporting documents missing in file. - Due Diligence Vendor-09/13/2023 |  | Resolved-DTI is now 39.8. lender removed the mtg differential income as they could not verify it - Due Diligence Vendor-09/20/2023<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 1154432 |
| XXXXXX-2025-CES1-3 |  | C B A | Closed | FCRE8201 | 2023-12-05 11:19 | 2023-12-08 08:39 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Updated DSCR info clears finding. - Due Diligence Vendor-12/08/2023 <br> Ready for Review-Document Uploaded. Please review uploaded updated lock, [Redacted] report and new tape with DSCR 1.467 - Buyer-12/08/2023 <br> Open-Minimum 2nd lien DSCR is 1. Approval is 1.32. DSCR should be 0.94. PITI per present stmt is $2,347.51 - see page 125. <br> $[Redacted] (1st PITI page 125) + $[Redacted](2nd) + $[Redacted] (HOA) = [Redacted]. 1007 rent on page 23 is $[Redacted]. $[Redacted]<br>Note - r, Lenders 1008 does not show the 1st pmt of $XX per 1st Note. - Due Diligence Vendor-12/05/2023 |  | Resolved-Updated DSCR info clears finding. - Due Diligence Vendor-12/08/2023<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 1292044 |
| XXXXXX-2025-CES1-3 |  | C B A | Closed | FCRE1200 | 2023-12-05 11:07 | 2023-12-05 11:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of [Redacted] is less than the Guideline Minimum Loan Amount of $[Redacted] Page 559 exception to loan amount minimum of [Redacted]. - Due Diligence Vendor-12/05/2023 |  | Waived-Audited Loan Amount of [Redacted] is less than the Guideline Minimum Loan Amount of $[Redacted] Page 559 exception to loan amount minimum of [Redacted]. - Due Diligence Vendor-12/05/2023 |  | No credit events past 48 months, No mortgage lates last 24 months, 5+ yrs credit history. | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 1291988 |
| XXXXXX-2025-CES1-4 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-5 |  | B A | Closed | FVAL9739 | 2023-12-06 14:00 | 2023-12-07 06:06 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Property :- Gross living area for 3rd unit < 500 square feet (XX square feet). All units must be 500 sq ft or greater.<br> \* Exception form is on page #72 of 324<br> - Due Diligence Vendor-12/06/2023 |  | Waived-Property :- Gross living area for 3rd unit < 500 square feet (XX square feet). All units must be 500 sq ft or greater.<br> \* Exception form is on page #72 of 324<br> - Due Diligence Vendor-12/06/2023 |  | Revolving debt is under 30%, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months, Credit score >40 points than minimum required | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 1295445 |
| XXXXXX-2025-CES1-6 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-7 |  | B A | Closed | FVAL9739 | 2024-01-12 12:23 | 2024-01-16 09:11 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived- Appraisal : Present land use is 50% vacant and is considered rural. <br>\*Exception form page #467 of 468<br> \* Approved Conditions: +0.5 in Price, max [Redacted] - Due Diligence Vendor-01/12/2024 |  | Waived- Appraisal : Present land use is 50% vacant and is considered rural. <br>\*Exception form page #467 of 468<br> \* Approved Conditions: +0.5 in Price, max [Redacted] - Due Diligence Vendor-01/12/2024<br>|  | Experienced investor with 2+ investment properties, No credit events past 48 months, No mortgage late payments in last 24 months, Credit score >40 points than minimum required | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 1370005 |
| XXXXXX-2025-CES1-8 |  | C A | Closed | 50001252-Fees-Limited | 2024-01-16 10:07 | 2024-01-19 08:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Resolved-COC provided. - Due Diligence Vendor-01/19/2024 <br> Resolved-Resolved - Due Diligence Vendor-01/19/2024 <br> Ready for Review-Document Uploaded. Please see attached COC from XX - Buyer-01/19/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points-Loan Discount Fee on Revised LE dated XX was $XX Which got increased on Final CD dated XX to amount $XX.Need COC for the change in the fees. - Due Diligence Vendor-01/16/2024 |  | Resolved-COC provided. - Due Diligence Vendor-01/19/2024 <br>Resolved-Resolved - Due Diligence Vendor-01/19/2024<br>|  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 1373638 |
| XXXXXX-2025-CES1-8 |  | C A | Closed | 50001251-Fees-Limited | 2024-01-16 10:07 | 2024-01-19 08:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Resolved-COC provided. - Due Diligence Vendor-01/19/2024 <br> Resolved-Resolved - Due Diligence Vendor-01/19/2024 <br> Ready for Review-Document Uploaded. Please see attached COC from XX - Buyer-01/19/2024 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Points-Loan Discount Fee on Revised LE dated XX was $XX Which got increased on Final CD dated XX to amount $XX.Need COC for the change in the fees. - Due Diligence Vendor-01/16/2024 |  | Resolved-COC provided. - Due Diligence Vendor-01/19/2024 <br>Resolved-Resolved - Due Diligence Vendor-01/19/2024<br>|  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 1373639 |
| XXXXXX-2025-CES1-9 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-10 |  | D A | Closed | FCOM1208 | 2024-01-19 11:57 | 2024-01-23 14:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-01/23/2024 <br>Resolved-all pages now present. - Due Diligence Vendor-01/23/2024 <br>Ready for Review-Document Uploaded. Please see attached Note - Buyer-01/23/2024 <br>Open-The Note is Incomplete 2nd page of NOTE document is missing. - Due Diligence Vendor-01/19/2024 |  | Resolved-The Note is Present - Due Diligence Vendor-01/23/2024 <br>Resolved-all pages now present. - Due Diligence Vendor-01/23/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 1382209 |
| XXXXXX-2025-CES1-11 |  | D A | Closed | FCRE6546 | 2024-01-24 08:15 | 2024-01-29 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-fixed rate - Due Diligence Vendor-01/29/2024 <br>Ready for Review-Document Uploaded. Please see attached recorded Mortgage and Note. - Buyer-01/29/2024 <br>Open-Need supporting documents to verify 1st lien type. - Due Diligence Vendor-01/24/2024 |  | Resolved-fixed rate - Due Diligence Vendor-01/29/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 1389737 |
| XXXXXX-2025-CES1-12 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-13 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-14 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-15 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-16 |  | C A | Closed | FCRE9991 | 2024-02-27 14:27 | 2024-03-01 15:39 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-corrected tape now present. - Due Diligence Vendor-03/01/2024 <br>Ready for Review-Document Uploaded. Please see attached Updated Tape - Buyer-03/01/2024 <br>Open-data tape and loan approval do not have the CLTV and HCLTV present - Due Diligence Vendor-02/27/2024 |  | Resolved-corrected tape now present. - Due Diligence Vendor-03/01/2024<br>|  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 1457135 |
| XXXXXX-2025-CES1-16 |  | C A | Closed | FCRE1195 | 2024-02-27 14:27 | 2024-03-01 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-lender used Credit balance over Jan statement. LTV is now aligned. - Due Diligence Vendor-03/01/2024 <br> Resolved-Audited [Redacted] is less than or equal to Guideline [Redacted] - Due Diligence Vendor-03/01/2024 <br> Ready for Review-CLTV is at [Redacted]%, the balance of the first lien supported by credit report is $[Redacted]- Buyer-03/01/2024 <br> Open-Audited CLTV of [Redacted]% exceeds Guideline [Redacted] max cltv for a 686 score is [Redacted] - Due Diligence Vendor-02/27/2024 |  | Resolved-lender used Credit balance over Jan statement. LTV is now aligned. - Due Diligence Vendor-03/01/2024 <br>Resolved-Audited [Redacted] is less than or equal to Guideline [Redacted] - Due Diligence Vendor-03/01/2024<br>|  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 1457133 |
| XXXXXX-2025-CES1-16 |  | C A | Closed | FCRE1196 | 2024-02-27 14:27 | 2024-03-01 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-lender used Credit balance over Jan statement. LTV is now aligned. - Due Diligence Vendor-03/01/2024 <br> Resolved-Audited HLTV of [Redacted]% is less than or equal to Guideline H[Redacted] - Due Diligence Vendor-03/01/2024 <br> Ready for Review-CLTV is at [Redacted]%, the balance of the first lien supported by credit report is $[Redacted]. - Buyer-03/01/2024 <br> Open-Audited HLTV of [Redacted]% exceeds Guideline [Redacted] max Hcltv for a 686 score is [Redacted] - Due Diligence Vendor-02/27/2024 |  | Resolved-lender used Credit balance over Jan statement. LTV is now aligned. - Due Diligence Vendor-03/01/2024 <br> Resolved-Audited HLTV of [Redacted]% is less than or equal to Guideline [Redacted] - Due Diligence Vendor-03/01/2024 |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 1457134 |
| XXXXXX-2025-CES1-17 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-18 |  | D A | Closed | FCRE5116 | 2024-03-07 06:25 | 2024-03-08 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-proof Feb payment made. not late, and no prior lates, ok to assume Jan paid on time. Also no late fees assessed - Due Diligence Vendor-03/08/2024 <br> Ready for Review-Document Uploaded. Please see the proof of payment attached - Buyer-03/08/2024 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. XX transferred in XX. Need proof Feb payment was made - Due Diligence Vendor-03/07/2024 |  | Resolved-proof Feb payment made. not late, and no prior lates, ok to assume Jan paid on time. Also no late fees assessed - Due Diligence Vendor-03/08/2024<br>|  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 1478152 |
| XXXXXX-2025-CES1-19 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-20 |  | C A | Closed | FCRE9488 | 2024-04-04 09:58 | 2024-04-05 07:29 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-corrected appr now present reflecting tenant - Due Diligence Vendor-04/05/2024 <br>Ready for Review-Document Uploaded. - Buyer-04/05/2024 <br>Open- - the appraisal states owner occupied. - Due Diligence Vendor-04/04/2024 |  | Resolved-corrected appr now present reflecting tenant - Due Diligence Vendor-04/05/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 1550430 |
| XXXXXX-2025-CES1-21 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-22 |  | D A | Closed | FCOM1274 | 2024-05-07 13:27 | 2024-06-10 13:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Received escrow waiver - Due Diligence Vendor-06/10/2024 <br>Ready for Review-Document Uploaded. Please find attached escrow waiver and payment letter. CD remains the same. - Buyer-06/07/2024 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-05/07/2024 |  | Resolved-Received escrow waiver - Due Diligence Vendor-06/10/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 1660724 |
| XXXXXX-2025-CES1-22 |  | D A | Closed | FCRE1335 | 2024-05-07 13:52 | 2024-05-09 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-05/09/2024 <br>Ready for Review-Document Uploaded. Per our internal process for 1099 transcripts coming back NROR, please see VOE attached. - Buyer-05/09/2024 <br>Open- - 2023 Transcript states "No Record of Return Found" so unable to validated with a wage and income. - Due Diligence Vendor-05/07/2024 |  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-05/09/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 1660848 |
| XXXXXX-2025-CES1-23 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-24 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-25 |  | D A | Closed | FCOM1233 | 2024-07-08 07:14 | 2024-07-10 12:58 | Resolved | 1 - Information D A | Credit | Eligibility | The Final 1003 is Incomplete | Resolved-updated 1003 provided - Due Diligence Vendor-07/10/2024 <br>Ready for Review-Document Uploaded. Please find revised 1003 attached. Income total remains the same. - Buyer-07/09/2024 <br>Open-Need income updated to show under B1 only. Per CPA letter page 419 says borrower 1 is 100% owner. - Due Diligence Vendor-07/08/2024 |  | Resolved-updated 1003 provided - Due Diligence Vendor-07/10/2024<br>|  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 1944954 |
| XXXXXX-2025-CES1-26 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-27 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-28 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-29 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-30 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-31 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-32 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-33 |  | D A | Closed | FCRE1145 | 2024-08-05 03:00 | 2024-08-09 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/09/2024 <br>Ready for Review-Document Uploaded. Pls see Title Commitment. - Buyer-08/08/2024 <br>Open-Title Document is missing Title document is missing in file - Due Diligence Vendor-08/05/2024 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-08/09/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2119440 |
| XXXXXX-2025-CES1-33 |  | D A | Closed | FCRE5116 | 2024-08-05 09:45 | 2024-08-08 08:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-now present - Due Diligence Vendor-08/08/2024 <br> Ready for Review-Document Uploaded. [Redacted] and [Redacted] are parts of a closed multipack. For XX a credit supplement supports it`s paid to current month until month the file went to XX and closed (xx). - Buyer-08/07/2024 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide supporting documentation to verify mortgage of below REO's - <br> 1. [Redacted] with balance $[Redacted]<br> 2. [Redacted] with balance $[Redacted]<br> 3. [Redacted] with balance $[Redacted]- Due Diligence Vendor-08/05/2024 |  | Resolved-now present - Due Diligence Vendor-08/08/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2122597 |
| XXXXXX-2025-CES1-34 |  | D A | Closed | FCRE5116 | 2024-08-05 06:57 | 2024-08-06 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-copies of notes now present - new loans - Due Diligence Vendor-08/06/2024 <br> Ready for Review-Document Uploaded. - Buyer-08/06/2024 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide supporting documentation to verify mortgage of below REO's - <br> 1[Redacted] 2. [Redacted] 3. [Redacted] 4. [Redacted] - Due Diligence Vendor-08/05/2024 |  | Resolved-copies of notes now present - new loans - Due Diligence Vendor-08/06/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2120447 |
| XXXXXX-2025-CES1-35 |  | D B A | Closed | FCRE5116 | 2024-08-05 05:00 | 2024-08-08 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-new loans and CDs now present - Due Diligence Vendor-08/08/2024 <br> Ready for Review-Document Uploaded. Please see the Final CDs for requested loans - Buyer-08/07/2024 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide supporting documentation to verify mortgage of below REO's - <br> 1. [Redacted] 2. [Redacted] 3. [Redacted] - Due Diligence Vendor-08/05/2024 |  | Resolved-new loans and CDs now present - Due Diligence Vendor-08/08/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2119767 |
| XXXXXX-2025-CES1-35 |  | D B A | Closed | FCRE8201 | 2024-08-05 03:32 | 2024-08-05 11:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-First lien type of Subject property is Interest Only loan. However, Exception is in Page# 230 Credit Pkg - Due Diligence Vendor-08/05/2024 |  | Waived-First lien type of Subject property is Interest Only loan. However, Exception is in Page# 230 Credit Pkg - Due Diligence Vendor-08/05/2024<br>|  | Revolving debt is under 30%, <br> No credit events past 40 months, <br> No mortgage late payments in the last 24 months, <br> 5+ years credit history, <br> No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 2119501 |
| XXXXXX-2025-CES1-36 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-37 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-38 |  | C B A | Closed | FCRE5376 | 2024-09-18 15:21 | 2024-09-20 13:08 | Resolved | 1 - Information C A | Credit | Borrower | Fraud: Potential Identity Issues identified in the file | Resolved-LOE provided by lender to address occupany - Due Diligence Vendor-09/20/2024 <br>Ready for Review-Document Uploaded. Please see attached LOE from Broker - Buyer-09/20/2024 <br>Open-DL is verified and reflects subject property need lox - Due Diligence Vendor-09/18/2024 |  | Resolved-LOE provided by lender to address occupany - Due Diligence Vendor-09/20/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2404742 |
| XXXXXX-2025-CES1-38 |  | C B A | Closed | FVAL5472 | 2024-09-18 15:26 | 2024-09-18 15:26 | Waived | 2 - Non-Material B | Property | Property | Property or house size is outside of guidelines | Waived-Comparable sales - As per Guide The size of the subject property must be not less than 500 square feet of living space.<br> Exception form provided to allow 1 of 2 units size XX sq ft<br> Exception form page #9 of 125<br> Approved Conditions XX to price - Due Diligence Vendor-09/18/2024 |  | Waived-Comparable sales - As per Guide The size of the subject property must be not less than 500 square feet of living space.<br> Exception form provided to allow 1 of 2 units size XX sq ft<br> Exception form page #9 of 125<br> Approved Conditions 0.25 to price - Due Diligence Vendor-09/18/2024 |  | Revolving debt is under 30%, No credit events past 40 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in the last 24 months | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 2404790 |
| XXXXXX-2025-CES1-39 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-40 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-41 |  | B A | Closed | FCRE1200 | 2024-09-30 07:51 | 2024-09-30 09:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Loan amount is $[Redacted] whereas minimum loan amount for Second lien loans per Guidelines is $[Redacted] (Subject property has the enclosed patio with bath and kitchen improvements No permits were found for the enclosed patio) . However, exception document in page # 511 of Closing docs - Due Diligence Vendor-09/30/2024 |  | Waived-Loan amount is $[Redacted] whereas minimum loan amount for Second lien loans per Guidelines is $[Redacted] (Subject property has the enclosed patio with bath and kitchen improvements No permits were found for the enclosed patio) . However, exception document in page # 511 of Closing docs - Due Diligence Vendor-09/30/2024 |  | No credit events past 40 months-No Credit Events such as Bankruptcy, Foreclosure, Short-Sale, Deed-in-Lieu and Loan Modification in File <br> No mortgage late payments in the last 24 months-no late payments for Mortgage tradelines in XX page # 147 of Credit Package.pdf for last 2 years<br> 5+ years credit history-Oldest tradeline date in XX page # 147 of Credit Package.pdf isXX<br> No consumer late payments in the last 24 months-No Consumer late payments in CBR Page #147<br> 2+ borrowers on the loan-File is joint credit with 2 borrowers<br> Experienced investor-Borrower already owns 4 Investment properties per Final 1003 page #66 of XX<br> DSCR > 1.1- Calculated DSCR is 1.254 which is >1.1 | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 2483951 |
| XXXXXX-2025-CES1-42 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-43 |  | C B A | Closed | FCOM9175 | 2024-11-14 08:24 | 2024-12-02 06:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-now present - Due Diligence Vendor-12/02/2024 <br> Ready for Review-Document Uploaded. Please find attached - Buyer-11/29/2024 <br> Open-Provide evidence that Revised Closing Disclosure issued on XX was sent electronically to the borrower - Due Diligence Vendor-11/14/2024 |  | Resolved-now present - Due Diligence Vendor-12/02/2024<br>|  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2809678 |
| XXXXXX-2025-CES1-43 |  | C B A | Closed | FVAL5524 | 2024-11-14 07:44 | 2024-11-14 07:44 | Waived | 2 - Non-Material B | Property | Property | Ineligible Property | Waived-As per guide, Rural properties & agricultural zoning are not eligible property type.<br> \*Exception form is provided to allow Subject Property location is Rural area.<br> \*Approved Conditions : [Redacted]% CLTV max and rural pricing<br> \*Exception form is on page #36 of 171 - Due Diligence Vendor-11/14/2024 |  | Waived-As per guide, Rural properties & agricultural zoning are not eligible property type.<br> \*Exception form is provided to allow Subject Property location is Rural area.<br> \*Approved Conditions : [Redacted]% CLTV max and rural pricing<br> \*Exception form is on page #36 of 171 - Due Diligence Vendor-11/14/2024 |  | DTI >=10% lower than loan program, No credit events past 40 months, No mortgage late payments in the last 24 months | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 2809066 |
| XXXXXX-2025-CES1-44 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-45 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-46 |  | C A | Closed | FPRO116 | 2024-11-25 13:15 | 2024-12-04 07:04 | Resolved | 1 - Information C A | Property | Property | Other Property/Value Finding | Resolved-updated appr now present - Due Diligence Vendor-12/04/2024 <br>Ready for Review-Document Uploaded. Please see attached revised appraisal and SSR forms - Buyer-12/03/2024 <br>Open-non O/O and appraisal has O/O marked - Due Diligence Vendor-11/25/2024 |  | Resolved-updated appr now present - Due Diligence Vendor-12/04/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2880503 |
| XXXXXX-2025-CES1-46 |  | C A | Closed | FCRE1437 | 2024-11-25 12:41 | 2024-11-27 07:52 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-lender has reviewed and accepted income - Due Diligence Vendor-11/27/2024 <br> Ready for Review-Document Uploaded. Please see attached clarification and calculations provided by XX UW - Buyer-11/27/2024 <br> Open-Income and Employment Do Not Meet Guidelines CLTV is [Redacted] (over 70) and 2 months bank statements to support [Redacted]% of income from P&L is needed Bank statements in file dont support [Redacted]% of income - Due Diligence Vendor-11/25/2024 |  | Resolved-lender has reviewed and accepted income - Due Diligence Vendor-11/27/2024<br>|  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 2880025 |
| XXXXXX-2025-CES1-47 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-48 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-49 |  | D A | Closed | FCRE1252 | 2024-11-27 06:56 | 2024-12-03 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-now present - Due Diligence Vendor-12/03/2024 <br> Ready for Review-Document Uploaded. Please see attached signed Warranty Deed provided for recording by Title company - Buyer-12/03/2024 <br> Open-Need executed copy of provided Quit Claim deed available on page #23 of 185. <br> Note - CoBorr added on title need Quit Claim deed - Due Diligence Vendor-12/02/2024 <br> Open-Title Document is Incomplete Need executed copy of provided Quit Claim deed available on page #23 of 185.<br> Note - CoBorr [Redacted] added on title need Quit Claim deed - Due Diligence Vendor-11/27/2024 |  | Resolved-now present - Due Diligence Vendor-12/03/2024<br>|  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2893796 |
| XXXXXX-2025-CES1-50 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [Redacted] | [Redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXX-2025-CES1-51 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | [Redacted] | ATR/QM: Exempt | ATR/QM: Exempt | [Redacted] | [Redacted] | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| |
|:---|
| ![](ex99-6sch4_001.jpg) |
| **VALUATION REPORT** |
| **DRMT 2025-CES1** |
| **Run Date - 10/8/2025 14:00:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **SECOND APPRAISAL VALUE** |  |  |  |  | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **COLLATERAL UNDERWRITER SCORES** | **COLLATERAL UNDERWRITER SCORES** | **COLLATERAL UNDERWRITER SCORES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Completion Report (1004D) Date** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM 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** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXXXX-2025-CES1-1 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXX-2025-CES1-2 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | XX | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXX-2025-CES1-3 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-4 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] | [Redacted] | .0421 | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXX-2025-CES1-5 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXX-2025-CES1-6 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXX-2025-CES1-7 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-8 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-9 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-10 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXX-2025-CES1-11 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXX-2025-CES1-12 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXX-2025-CES1-13 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-14 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-15 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-16 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-17 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-18 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXX-2025-CES1-19 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXXXX-2025-CES1-20 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXX-2025-CES1-21 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXX-2025-CES1-22 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-23 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-24 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-25 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-26 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-27 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-28 |  |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-29 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXX-2025-CES1-30 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-31 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXX-2025-CES1-32 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] | [Redacted] | -.0818 | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXX-2025-CES1-33 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXXXX-2025-CES1-34 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-35 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXX-2025-CES1-36 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-37 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | REASONABLE | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXX-2025-CES1-38 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXX-2025-CES1-39 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXX-2025-CES1-40 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXX-2025-CES1-41 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXX-2025-CES1-42 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXX-2025-CES1-43 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | REASONABLE | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXX-2025-CES1-44 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-45 |  |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [Redacted] | XX | [Redacted] | [Redacted] | Reasonable | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXX-2025-CES1-46 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-47 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-48 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  | [Redacted] | 0 | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXX-2025-CES1-49 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXX-2025-CES1-50 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXX-2025-CES1-51 |  |  | [Redacted] | [Redacted] |  | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| |
|:---|
| ![](ex99-6sch5_001.jpg) |
| **Business Purpose Supplemental Data** |
| **DRMT 2025-CES1** |
| **Run Date - 10/8/2025 14:00:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXXXX-2025-CES1-1 |  |  | [Redacted] | [Redacted] | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  | .00 | .00 | 2968.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33880 |  |  |  |  |  |  |  |  |  |  |  | No | 1.3 | 4 | 1 | N/A | 14.88 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| XXXXXX-2025-CES1-2 |  |  | [Redacted] | [Redacted] | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  | .00 | .00 | 6017.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  |  |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 | N/A | 37.84 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-3 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 4531 | AirDNA |  | N/A |  | 61.00% | 4531 | xx | Yes | 105.89 | 1.43 | 1.43 | 3176.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 5.4 | 1 | 1 | N/A | 15.87 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| XXXXXX-2025-CES1-4 |  |  | [Redacted] | [Redacted] | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  | .00 | .00 | 3173.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43000 |  |  |  |  |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 40.64 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-5 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 5300 | Appraisal - 1025 |  | N/A |  |  | 5300 | Appraisal - 1025 | No | 91.52 | 1.09 | 1.09 | 4850.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34450 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 9.2 | 1 | 1 | N/A | 43.41 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-7 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 95.7 | 1.04 | 1.04 | 2201.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26700 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 44.34 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-10 |  |  | [Redacted] | [Redacted] | CPA Verified | Present |  |  |  |  |  |  |  |  |  |  | No |  | .00 | .00 | 3566.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  |  |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | Credit Reference Letter | 22.57 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | [Redacted] |
| XXXXXX-2025-CES1-11 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 98.02 | 1.00 | 1.00 | 2997.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 4.6 | 2 | 1 | N/A | 76.8 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-13 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2100 | Appraisal - 1007 | No | 93.4 | 1.07 | 1.07 | 1961.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 8.5 | 1 | 1 | N/A | 37.35 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-14 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 87.37 | 1.12 | 1.14 | 2533.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24627 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 10.6 | 2 | 1 | N/A | 37.13 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| XXXXXX-2025-CES1-19 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 8025 | Appraisal Short Term Rent |  | N/A |  | 75.00% | 8025 | Appraisal Short Term Rent | Yes | 98.35 | 1.02 | 1.02 | 7892.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 25.9 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-20 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 4343.75 | AirDNA |  |  |  | 57.00% | 4343.75 | xx | Yes | 90.53 | 1.06 | 1.06 | 4092.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 44700 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 20.95 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXXXX-2025-CES1-21 |  |  | [Redacted] | [Redacted] | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  | .00 | .00 | 10776.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.9 | 2 | 1 | N/A | 30.22 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| XXXXXX-2025-CES1-22 |  |  | [Redacted] | [Redacted] | 1099 Verified | Present |  |  |  |  |  |  |  |  |  |  | No |  | .00 | .00 | 3467.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31860 |  |  |  |  |  |  |  |  |  |  |  | No |  | 2 | 1 | N/A | 34.08 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXXXX-2025-CES1-29 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 5600 | Appraisal - 1007 |  | N/A |  |  | 5600 | Appraisal - 1007 | No | 95.69 | 1.04 | 1.04 | 5358.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34220 |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 6.2 | 2 | 1 | N/A | 25.85 | No |  |  | Vested Individual | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| XXXXXX-2025-CES1-30 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 70.68 | 1.41 | 1.41 | 1978.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5000 |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 22.6 | 1 | 1 | N/A | 50.33 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| XXXXXX-2025-CES1-32 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | Yes | 1350 | 1350 | Appraisal - 1007 |  |  |  |  | 1350 | Actual In Place Rent | No | 99.94 | 1.00 | 1.00 | 1349.16 | 1350 | 02-19-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22000 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 69.51 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-33 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | Yes | 2500 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Actual In Place Rent | No | 91.47 | 1.09 | 1.09 | 2286.88 | 2500 | 07-31-2024 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 1 | 4 | 1 | N/A | 93.46 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse |  |
| XXXXXX-2025-CES1-34 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 77.94 | 1.28 | 1.28 | 3117.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37880 |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 0.9 | 4 | 1 | N/A | 26.48 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse |  |
| XXXXXX-2025-CES1-35 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 4450 | Appraisal - 1007 | 6762.75 | Airbnb | 12 | 75.00% | 6762.75 | xx | Yes | 47.88 | 2.09 | 2.09 | 3237.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33140 |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 1 | 4 | 1 | N/A | 64.16 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse |  |
| XXXXXX-2025-CES1-37 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 3075 | Appraisal - 1007 |  | N/A |  |  | 3075 | Appraisal - 1007 | No | 98.66 | 1.01 | 1.01 | 3033.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31460 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 5 | 4 | 1 | N/A | 87.33 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse |  |
| XXXXXX-2025-CES1-38 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 5200 | Appraisal - 1025 |  | N/A |  |  | 5200 | Appraisal - 1025 | No | 96.55 | 1.04 | 1.04 | 5020.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  | [Redacted] |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 37.99 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXXXX-2025-CES1-41 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | Yes | 2400 | 1800 | Appraisal - 1007 |  | N/A |  |  | 2400 | Actual In Place Rent | No | 79.74 | 1.25 | 1.25 | 1913.73 | 2400 | 05-03-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 2.2 | 2 | 1 |  | 21.89 | Yes | [Redacted] | [Redacted] | Individual Guarantor | [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse |  |
| XXXXXX-2025-CES1-45 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | Yes | 8600 | 5400 | Appraisal - 1025 |  | N/A |  |  | 8600 | Actual In Place Rent | No | 75.4 | 1.33 | 1.33 | 6484.62 | 4300 | 01-31-2025 | 12 | 4300 | 02-28-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39300 |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 21.8 | 1 | 1 | N/A | 32.99 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| XXXXXX-2025-CES1-46 |  |  | [Redacted] | [Redacted] | 2YR Business P&L | Present |  |  |  |  |  |  |  |  |  |  | No |  | .00 | .00 | 3249.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24960 |  |  |  |  |  |  |  |  |  |  |  | No | 3.2 | 2 | 1 | N/A | 21.11 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXXXX-2025-CES1-47 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | No | 0 | 5200 | Appraisal - 1007 |  | N/A |  |  | 5200 | Appraisal - 1007 | No | 79.1 | 1.26 | 1.26 | 4112.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22470 |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 4.1 | 1 | 1 | N/A | 32.46 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXXXX-2025-CES1-51 |  |  | [Redacted] | [Redacted] | Debt Service Coverage Ratio | Present | Yes | 4800 | 4600 | Appraisal - 1007 |  | N/A |  |  | 4800 | Actual In Place Rent | No | 99.82 | 1.00 | 1.00 | 4791.44 | 4800 | 10-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39840 |  |  |  | [Redacted] |  |  |  |  |  |  | No | No | 3 | 1 | 1 |  | 20.42 | No |  |  | Vested Individual | [Redacted] | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**Selene Diligence LLC ("Selene") Due<br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Pretium Residential Credit Management, LLC ("Client"). The review was conducted between November 18 2024, and September 9 2025, via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 464 Closed-End Second (CES) loan for a total of 464 CES loan the "Final Securitization Population".

*<u>Credit Reviews (464):</u>*

During the Review, Selene performed a credit review on 464 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (464)</u>*

During the Review, Selene performed a compliance review on 464 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (464):</u>*

During the Review, Selene performed a property valuation review on 464 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (464):</u>*

During the Review, Selene performed a Data Integrity Review on 464 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 464 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;464 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;464 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;464 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;464 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, and DBRS, Inc. ("DBRS") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

American Mortgage Inc Second Mortgage Program, American Financing Corp Underwriting Guidelines, Deephaven Equity Advantage Guidelines, Flexpoint CES Guidelines, Quontic Bank - Lite Doc Closed-End Seconds, Vista Point Mortgage Loan Eligibility Guidelines Equity Solutions (collectively the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **14**

**<u>SCOPE OF REVIEW</u>**

Selene 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. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

 **CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed
whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
asset statements to determine whether funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

 **PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **14**

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 464 mortgage loans, (ii) a Compliance Review on 464 mortgage loans (iii) a Valuation Review on 464 mortgage loans, and (iv) a Data Integrity Review on 464 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 464 mortgage loans; 400 mortgage loans had a rating grade of A, 64 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (464 overall loans):***

 ****

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** |
| **NRSRO<br> Grade** | **DBRS** | **%** | **DBRS** | **%** |
| A | 126 | 27.15% A | 400 | 86.21% |
| B | 5 | 1.08% B | 64 | 13.79% |
| C | 98 | 21.12% C | 0 | 0.00% |
| D | 235 | 50.65% D | 0 | 0.00% |

---

 ****

Page **4** of **14**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| **NRSRO<br> Grade** | **DBRS** | **%** | **DBRS** | **%** |
| A | 449 | 96.77% A | 417 | 89.87% |
| B | 15 | 3.23% B | 47 | 10.13% |
| C | 0 | 0.00% C | 0 | 0.00% |
| D | 0 | 0.00% D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |
| **NRSRO**<br> **Grade** | **DBRS** | **%** |
| A | 344 | 74.13% |
| B | 3 | 0.65% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 117 | 25.22% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene 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 all applicable laws 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 Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **14**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene 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. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. 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 Selene 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 Selene 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. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **14**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **14**

**Superior Lien Review**

As applicable, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;**1.** Captured superior lien outstanding loan amount and current payment amounts to validate CLTV and PITIA for DSCR calculations;

&nbsp;&nbsp;&nbsp;&nbsp;**2.** Reviewed the original senior lien note to ensure eligible senior lien loan type adhere to the Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;**3.** Reviewed the current mortgage statements for existing senior lien payments.

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

Page **8** of **14**

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have
been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **14**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the loan to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

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

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

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

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

i) points and fees threshold test; <br> ii) APR threshold test;

Page **10** of **14**

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

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

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

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

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;g) <u>Homeownership counseling (§1026.36):</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) 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.

**2.** **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):** 

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 were completed and that information was reflected in the appropriate locations, which 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) confirm borrower received LE not later than four (4) business days prior to consummation; and

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

Page **11** of **14**

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act 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)); and

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

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

Selene 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.

Selene 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"). Selene 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. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

Page **12** of **14**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Page **13** of **14**

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.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie
Mac exclusionary list.

Page **14** of **14**

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 82409224 |  | XX | XX | Borrower 1 Email or Internet | the1003Page | XXX | XXX | Borrower 1 Email or Internet verified updated per 1003 |
| 82409224 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.07 | 37.112 | Slight difference in other payments causing a change in DTI. |
| 82410423 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.28 | 28.426 | There is a slight variance in DTI 1003 shows XX amount of $29 whereas credit report shows $0 due to which there is an 0.15% variance within guideline limit. |
| 82409193 |  | XX | XX | Borrower 1 Email or Internet | the1003Page | XXX | XXX | Borrower 1 Email or Internet verified updated per 1003 |
| 82409193 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.17 | 43.249 | Verified with Credit documents in file. |
| 82409119 |  | XX | XX | Borrower 1 Email or Internet | the1003Page | XXX | XXX | Borrower 1 Email or Internet verified updated per 1003 |
| 82409119 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.95 | 46.138 | Verified |
| 82408250 |  | XX | XX | Borrower 1 Email or Internet | the1003Page | XXX | XXX | Borrower 1 email updated as per final 1003 |
| 82408250 |  | XX | XX | Qualifying HLTV | propertyValuationPage | 22.8 | 75.308 | Verified HLTV as 22.8 per property valuation. |
| 82409307 |  | XX | XX | Borrower 1 Email or Internet | the1003Page | XXX | XXX | Borrower 1 Email or Internet verified updated per 1003 |
| 82409307 |  | XX | XX | Borrower 1 Last Name | notePage | XXX | XXX | Borrower 1 Last Name XX per Note. |
| 82410046 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.51 | 41.166 | variance .34 is acceptable |
| 82410399 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.82 | 32.282 | DTI matching with corrected 1008. |
| 500102901 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 54.33 | 54.43 | confirmed per data entry |
| 500102901 |  | XX | XX | Note Date | notePage | XXX | XXX | Note date verified from Note document |
| 500102915 |  | XX | XX | Note Date | notePage | XXX | XXX | Note date verified from note document |
| 500102915 |  | XX | XX | Verified Doc Type | employmentIncomePage | 1YR Full Doc | Full Doc | Doctype updated per loan program & documentation. |
| 500102916 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 57.74 | 57.83 | Calculated CLTV is Amount of other lien $xx + $xx Current Lien /$xxProperty value\*100 = 57.74% CLTV |
| 500102916 |  | XX | XX | Note Date | notePage | XXX | XXX | Final note date 07/XX/2024 updated as per note doc |
| 500102916 |  | XX | XX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified doc type updated as per Income docs available in the file |
| 500102916 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.54 | 32.52 | First mortgage P&I on 1008 is $1,326.04, whereas per recent mortgage statement pg#364 P&I is $1183.82. Which leads to difference in calculated DTI with U/W calculated DTI. |
| 500102936 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 37.39 | 48.87 | Calculated CLTV is Amount of other lien $xx+ $xx Current Lien /xx Property value\*100 = 37.39% CLTV |
| 500102936 |  | XX | XX | Note Date | notePage | XXX | XXX | Final note date 09/XX/2024 updated as per note doc |
| 500102956 |  | XX | XX | Note Date | notePage | XXX | XXX | Note Date verified and updated per final doc |
| 500102957 |  | XX | XX | Note Date | notePage | XXX | XXX | Final note date 10/XX/2024 updated as per note doc |
| 500102957 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.23 | 40.53 | First mortgage P&I on 1008 is $3,558.45, whereas per recent mortgage statement pg#263 P&I is $3465.55. Which leads to difference in calculated DTI with U/W calculated DTI. |
| 82410628 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.62 | 10.637 | There is a slight variance in DTI 1008 shows tax amount of $2768.49& HOA amount $955 whereas tax sheet shows $2,709.54 & appraisal shows HOA amount of $978 due to which there is an 0.017% difference in DTI within guideline limit . |
| 5241179344 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 19.45 | 6.83 | Calculated HTI is matching with U/W calculation on 1008, whereas, tape data is showing different value. |
| 5241179344 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.06 | 17.33 | Calculated DTI is matching with U/W calculation on 1008, whereas, tape data is showing different value. |
| 5241281103 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Updated as per appraisal report showing pud. |
| 5241178767 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Confirmed property type is Two to four unit |
| 5241178767 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 7.57 | 8.03 | variance is less than 1% |
| 5240973959 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 21.34 | 16.71 | DTi and HTi is confirmed from provided latest 1008 document # 442 |
| 5240973959 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.43 | 24.79 | DTi and HTi is confirmed from provided latest 1008 document # 442 |
| 5241178334 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type confirmed with appraisal report |
| 5241178334 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 5.87 | 5.95 | As per lox page#454, primary property don't have the HOA Amount |
| 5241178334 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.46 | 40.51 | All other monthly payments not matching |
| 82410585 |  | XX | XX | Borrower 1 Email or Internet | the1003Page | XXX | XXX | Borrower 1 Email updated per document |
| 82410585 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.93 | 47.88 | 1008 shows the tax amount of $462 does not match the amount identified on the provided tax sheet pg#427. |
| 5241282526 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 630.51 | 630.64 | As per Note document P&I is 630.51 |
| 5241282285 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Tape considered last four digits of ZIP code |
| 5241282285 |  | XX | XX | Maturity Date | notePage | XXX | XXX | Maturity Date Confirmed with Note |
| 5241282525 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | PropertyType is PUD confirmed from Appraisal report. |
| 5241282153 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 69.39 | 69.48 | QualifyingCLTV is 69.39. |
| 5241076867 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 79.35 | 80.00 | Unpaid bal considered from mortgage statement. CLTV calc : previous 1st lien bal $xx+ current loan amount $xx/appraisal $xx\*100. |
| 5241281446 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date Considered from Initial 1003 on page 722. |
| 5241180529 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 36.29 | 37.78 | Discrepancy in Subordinate Lien (s) P&I amount from 1008 to Note. |
| 5241180529 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.03 | 49.58 | Discrepancy in Subordinate Lien (s) P&I amount from 1008 to Note. |
| 5241282075 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Updated as per Appraisal Report |
| 5241282226 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 73.08 | 70.00 | Per Mortgage statement UPB is $xx, However per final 1003 REO shows UPB as $xx. CLTV cal : $xx + $xx / $xx = 73.08. This resulted CLTV variance. |
| 5241282226 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.97 | 32.23 | With in 1%. |
| 5241179878 |  | XX | XX | Borrower 1 Total Income | the1003Page | 48782.14 | 49186.57 | Confirmed per audit |
| 5241179878 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated as per initial 1003 |
| 5241282344 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Zip code updated as per Note and DOT |
| 5241282461 |  | XX | XX | Loan Program | the1003Page | XXX | XXX | Verified loan program is correct. |
| 5241179788 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Property Zip code updated as per docuement |
| 5241179788 |  | XX | XX | Property City | notePage | XXX | XXX | Property City Updated as per document |
| 5241179788 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 52 | 52.30 | Qualifying Calculated CLTV is 52.299, Tape data CLTV is 52.30 has a variance of 0.003 |
| 5241179788 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 24.81 | 24.85 | HTI is within tolerance with a variance of 0.04 |
| 5241282530 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 75.58 | 74.88 | Adding first lien and second lien the CLTV is correct. |
| 5241282456 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 6.24 | 7.74 | HTI Confirmed,Hoa amount having discrepancy |
| 5241282456 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.28 | 12.00 | DTI confirmed as all liabilities entered from credit report and hoa amount having discrepancy |
| 5250182658 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Updated as per appraisal |
| 5250183944 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | True data is correct, verified from appraisal |
| 5250183421 |  | XX | XX | Property Type | propertyValuationPage | Townhouse | PUD | Attached PUD is a Townhome |
| 5250183943 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Initial Loan Estimate date was 01/XX/2025 |
| 5250183943 |  | XX | XX | Loan Program | the1003Page | XXX | XXX | Loan Program confirmed. |
| 5250183943 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.04 | 28.91 | Within Tolerance. |
| 5250183943 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 28.04 | 28.91 | Within Tolerance |
| 5250184606 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed with initial 1003. |
| 5250184606 |  | XX | XX | Property Type | propertyValuationPage | Single Family Attached | Attached | Property type confirmed with appraisal report. |
| 5250184484 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated as per initial 1003 |
| 5250184046 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed on initial 1003 |
| 5250184046 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Values match |
| 5250184046 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Values match |
| 5250184046 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 68.02 | 69.23 | Verified LTV per audit is in line with LTV on 1008 |
| 5250184046 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 1.68 | 1.77 | Variance is less than 1% |
| 5250184046 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 1.3 | 1.39 | Variance is less than 1% |
| 5250183023 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.51 | 44.61 | As per Gap Credit report Tradeline xx CARD#xx was paid. |
| 5250183657 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Y | Borrower 1 Self-Employment Flag Not required consider Wage income. |
| 5250183087 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date Confirmed from initial 1003 document |
| 5250184655 |  | XX | XX | Loan Program | the1003Page | XXX | XXX | Loan Program confirmed. |
| 5250183597 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated as per initial 1003 |
| 5250183597 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 2.84 | 2.94 | Variance within the decimal |
| 5250183597 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 5.52 | 5.39 | Variance within the decimal |
| 5250183877 |  | XX | XX | Borrower 1 Total Income | the1003Page | 9544.86 | 9832.54 | True data updated as per 1003, 1008 and income worksheet |
| 5250183877 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 64.33 | 64.51 | Variance is less than 1% |
| 5250183877 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 39.59 | 39.58 | Variance is less than 1% |
| 5250183877 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.93 | 39.99 | Liabilities updated as per credit report and gap report. Back end DTI per review calculations meets GL requirement. . |
| 5250285740 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.67 | 28.50 | Tape data shows 1st mortgage payment with T&I included in escrow. However T&I amounts again reflecting with separate amounts per 1008 page #1071 which is double hit. This resulted variance. True data is correct. |
| 5250285740 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 5.33 | 6.38 | Tape data shows 1st mortgage payment with T&I included in escrow. However T&I amounts again reflecting with separate amounts per 1008 page #1071 which is double hit. This resulted variance. True data is correct. |
| 5250286456 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed rom #614. |
| 5250286456 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 78.35 | 78.47 | Within 1% |
| 5250286456 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 37.94 | 38.74 | Within guidelines |
| 5250286456 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.88 | 49.68 | Within guidelines |
| 5250286664 |  | XX | XX | Borrower 2 Total Income | the1003Page | 11032 | 11069.42 | B2TotalIncome as per Final 1003 is 11032.00, where as income in 1008 and income worksheet is 11069.42. |
| 5250286664 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | ApplicationDate 2/XX/2025 confirmed from Initial 1003. |
| 5250286664 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 79.94 | 79.79 | QualifyingCLTV is 79.94. Variance in less than 1. |
| 5250286664 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.77 | 36.13 | DTI Variance in less then 1. |
| 5250286664 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 17.48 | 17.85 | HTI Variance in less than 1. |
| 5250489362 |  | XX | XX | Borrower 1 Total Income | the1003Page | 106092.06 | 128758.62 | Calculated income is $106,092.06 |
| 5250489362 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 23.95 | 73.07 | Calculated LTV is 23.95 |
| 5250489362 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Attached | As per Appraisal it is 4 unit. |
| 5250489362 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.71 | 22.24 | Updated tradelines as per provided credit report. |
| 4250388811 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 31.16 | 31.45 | There is a variance in HTI due to HOA value differ from 1008 to Appraisal as Appraisal is expired, finding added for the same. |
| 4250388811 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.38 | 45.67 | There is a variance in DTI due to HOA value differ from 1008 to Appraisal as Appraisal is expired, finding added for the same. |
| 4250386751 |  | XX | XX | Loan Program | the1003Page | XXX | XXX | Equity Advantage per Lock Confirmation |
| 4250386751 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal property is a 4 unit |
| 4250386751 |  | XX | XX | Lien Position | TitlePage | XXX | XXX | Second lien loan |
| 4250489022 |  | XX | XX | Mortgage Origination Channel | the1003Page | XXX | XXX | Wholesale Equity Advantage loan |
| 2009027643 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX | . Primary appraisal date is 03/XX/2025 confirmed |
| 2009027644 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 1480.99 | 11480.99 | P&I amount is $1480.99 |
| 2009027648 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 74.63 | 74.75 | CLTV has a variance of 0.12, value Matches |
| 2009027648 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 187.58 | 46.33 | True data includes flood insurance |
| 2009027650 |  | XX | XX | Property Address | notePage | XXX | XXX | Updated as per Note document. |
| 2009027650 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 163.92 | Property Insurance is included in 1st mortgage payment. |
| 2009027650 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.11 | 43.353 | Variance is due to taxes and insurance being included on the 1008. |
| 2009027651 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 76.46 | 79.89 | Updated as per latest credit report unpaid balance showing xx page#124 1st lien loan balance xx+ current loan amounxx=76.46%Appraisal value |
| 2009027653 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 96.67 | Total Monthly Property Insurance Amount already included in 1 lien. |
| 2009027654 |  | XX | XX | Number of Units | propertyValuationPage | 2 | 1 | Values Matching. |
| 2009027654 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 74.83 | 74.9 | Rounding off. Variance is less than 1%. |
| 2009027654 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 785 | 717 | Updated FICO as per Credit report. |
| 2009027654 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.15 | 35.082 | Hazard Insurance premium is not matching with Final 1003 and Lender Calculation sheet. And added Tradelines as per Credit report. |
| 2009027655 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 1699.98 | 11699.98 | As per note document it is $1,699.98. |
| 2009027657 |  | XX | XX | Property Address | notePage | XXX | XXX | Property address confirmed on Note |
| 2009027657 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 2768.09 | Second lien loan does not include escrow |
| 2009027647 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.87 | 20.858 | Updated tradelines as per credit report. Final 1003 is Missing. |
| 5250489264 |  | XX | XX | Borrower 1 Total Income | the1003Page | 86075.98 | 86076.00 | Verified income is $86,075.98 which is reflected on the 1008, 1003, and bank statement income calculator. The difference in the Tape Data is $0.02. |
| 5250489264 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | As per initial 1003 updated application date |
| 5250489264 |  | XX | XX | Borrower 2 Total Income | the1003Page | 86075.98 | 86076.00 | Verified income is $86,075.98 which is reflected on the 1008, 1003, and bank statement income calculator. The difference in the Tape Data is $0.02. |
| 5250489264 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 79.31 | 72.67 | Calculated CLTV is 79.31 based off the AV of the $xx. The Tape Data is based off an AV of $xx. The Appraisal and Fannie Mae SSR both reflect $xx. |
| 5250489829 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Confirmed Applicaiton date is 04/XX/2025. |
| 5250489829 |  | XX | XX | Borrower 1 Total Income | the1003Page | 1364373 | 1287845.20 | Confirmed verified and true data income both are correct. |
| 2009027676 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 52.69 | 52.85 | Variance is less than 1% |
| 2009027670 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 3011.5 | 301150 | True data confirmed by Note |
| 2009027672 |  | XX | XX | Qualifying LTV | propertyValuationPage | 12.35 | 12.34 | Variance is less than 1. |
| 2009027672 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 50.3 | 50.37 | Variance is less than 1. |
| 2009027673 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | B1SelfEmployed confirmed as borrower qualiying with income |
| 2009027673 |  | XX | XX | Borrower 2 Self-Employment Flag | employmentIncomePage | No | Yes | B2 Not qualifying with income. |
| 2009027790 |  | XX | XX | Loan Purpose | the1003Page | Refinance | Other | Refinance type is no cash out |
| 2009027790 |  | XX | XX | Borrower 1 FTHB | the1003Page | false | true | This is refinance file |
| 2009027790 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 726 | 0 | As per credit report Fico score is 726 |
| 2009027790 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 68.08 | Monthly property insurance amount is $0 confirmed |
| 2009027790 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.04 | 46.53 | All other monthly payment not matching with 1008 due to this DTI is getting variance. |
| 2009027793 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 701 | 0 | Qualifying FICO 701 updated as per credit report. |
| 2009027793 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 218.25 | Total Monthly Property Insurance Amount is included in first mortgage monthly payment. |
| 2009027793 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.14 | 39.54 | The calculation validating the correct DTI is as follows: Total Monthly Liabilities of 2557.81/6705.69=38.14% |
| 2009027794 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 80.1 | 79.99 | Audited CLTV is 80.01% as Unpaid balance of previous mortgage per recent credit report is $xx+$xx(loan amount) = $xx(property value)\*100% = 80.01% which exceeds GL CLTV of 80% |
| 2009027794 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 691 | 0 | Fico not reflecting in 1008, considered Fico from Credit Liabilities |
| 2009027794 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.72 | 39.73 | DTI is within tolerance with a variance of 0.01 |
| 2009027808 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 737 | 0 | Qualifying FICO confirmed per credit report. |
| 2009027808 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 248 | Escrow is not impounded for second liens |
| 2009027808 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.88 | 16.93 | Variance is less than 1% |
| 2009027814 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 724 | 0 | Considered per credit report |
| 2009027806 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 83.73 | 80 | UPB considered from Gap report, Finding created for mortgage statement |
| 2009027806 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 728 | 0 | Qualifying FICO score updated from credit report |
| 2009027795 |  | XX | XX | Property Address | notePage | XXX | XXX | Property address confirmed from Note |
| 2009027795 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 682 | 0 | As per credit report FICO is 682 confirmed |
| 2009027809 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 67.42 | 67.59 | Variance is less than 1% |
| 2009027809 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 225.51 | Escrow is not impounded for second liens |
| 2009027809 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 719 | 0 | Qualifying FICO considered from credit report. Tape data reflects 0.00 |
| 2009027809 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.84 | 31.68 | Variance is less than 1% |
| 2009027816 |  | XX | XX | Borrower 1 FTHB | the1003Page | false | true | Borrower is not FTHB, Subject is refinance |
| 2009027816 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 761 | 0 | Updated per credit report |
| 2009027815 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 743 | 0 | QualifyingFICO 743 Confirmed |
| 2009027815 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 128.97 | Monthly Property insurance amount included in 2nd lien |
| 2009027791 |  | XX | XX | Borrower 1 FTHB | the1003Page | false | true | This is a refinance thus B1 is not a FTHB |
| 2009027791 |  | XX | XX | Loan Purpose | the1003Page | Refinance | Other | Refinance type is cash out refi 2nd lien |
| 2009027791 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 691 | 0 | As per credit report FICO is 691 |
| 2009027791 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 1 | Monthly property Insurance amount is $0 |
| 2009027813 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 84.77 | 82.08 | Qualifying CLTV meet GL reqirement |
| 2009027813 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 716 | 0 | Qualifying FICO Updated as per Credit Report. |
| 2009027811 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 756 | 0 | As per credit report Fico score is 756 |
| 2009027804 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 704 | 0 | QualifyingFICO considered from credit report. |
| 2009027804 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 239.58 | 239.59 | Variance is less than $1. |
| 2009027804 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.2 | 32.21 | Variance is less than 1. |
| 5250386999 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 80.35 | 80.00 | Unpaid balance Updated as per Provided latest mortgage statements. |
| 5250490607 |  | XX | XX | Loan Program | the1003Page | XXX | XXX | Loan program has confirmed from lok confirmation. |
| 5250490894 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Updated as per Appraisal |
| 5250286417 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 79.48 | 80.00 | Variance is lessthan 1. |
| 5250490732 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.81 | 20.09 | Variance is less than 1%. |
| 5250490238 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated as per Initial 1003 |
| 5250490238 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 12.14 | 12.26 | Variance is less than 1% |
| 5250490238 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.25 | 13.30 | <br> Variance is less than 1% |
| 4250387686 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.87 | 47.67 | As per 1003 for the revolving acct xx the monthly payment is $3,069.25 but as per Credit report on page #378 reflecting payment as $0 and in Gap credit report on page #387 the payment is $30 which is causing variance in DTI, however the verified DTI is within limits. |
| 2009027841 |  | XX | XX | Qualifying LTV | propertyValuationPage | 11.38 | 11.37 | calculated LTV is 11.38 the difference is below $1 |
| 2009027844 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 70.13 | 70.12 | Rounding Issues. Calculated CLTV is 1st lies outstanding balance $xx + 2nd Lien $xx = xx / Appraisal value $xx = 70.1252%. |
| 2009027844 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 1039.69 | 11039.69 | As per note P&I amount is $1039.69 but tape considered the different values. |
| 2009027844 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX | Tape considered the Date of Appraiser Signature 05/XX/25 and As is Date is 04/XX/2025 |
| 2009027846 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 79.91 | 79.99 | Variance is less than 1. |
| 2009027847 |  | XX | XX | Property Address | notePage | XXX | XXX | Property address confirmed from Note final #268 |
| 2009027847 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 89.78 | 89.77 | Decimal Rounding up values |
| 2009027847 |  | XX | XX | Qualifying LTV | propertyValuationPage | 55.62 | 55.61 | Decimal Rounding up values |
| 2009027847 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.97 | 49.206 | Monthly first p and I is different on 1008 and 1003 and it is impacting on DTI and HTI |
| 2009027848 |  | XX | XX | Property Address | notePage | XXX | XXX | PropertyAddress True data confirmed |
| 2009027848 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 705 | 730 | QualifyingFICO 705 confirmed from Credit report |
| 2009027849 |  | XX | XX | Property Address | notePage | XXX | XXX | True data tape data matches |
| 2009027849 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 814 | 805 | QualifyingFIco 814 confirmed as qualifying fico method selected as primary wage earner |
| 2009027851 |  | XX | XX | Property Address | notePage | XXX | XXX | System values. |
| 2009027854 |  | XX | XX | Borrower 1 FTHB | the1003Page | false | true | Borrower is not a FTHB, loan is refinance cash out. Section 5: Declarations of the 1003 is incorrectly marked as No on 5A as not having ownership interest in the last 3 years. This is a 2nd lien refinance of his primary property so the borrower has had ownership interest. |
| 2009027854 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 72.75 | 78.7 | The 1008 reflects the AV as $1,100,000 however, the Appraised value is $xxwhich causes a variance in the CLTV. |
| 2009027854 |  | XX | XX | Qualifying LTV | propertyValuationPage | 29.41 | 31.81 | The 1008 reflects the AV as $1,100,000 however, the Appraised value is $xx which causes a variance in the LTV. |
| 2009027845 |  | XX | XX | Borrower 1 Last Name | notePage | XXX | XXX | Updated borrower last name with ID |
| 2009027845 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 74.85 | 74.65 | Confirm with latest mortgage statement Outstanding Principal showing $xx |
| 4250490511 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 40.52 | 40.62 | Confirm with latest mortgage Statements unpaid balance. |
| 4250591524 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX |  |
| 4250591524 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.67 | 46.68 | Rounding |
| 2009027861 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 66.52 | 66.57 | Unpaid bal considered from mortgage statement. CLTV calc : previous 1st lien bal $xx + current loan amount $xx/appraisal $xx\*100. |
| 2009027861 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 711 | 0 | Fico Score Updated as per credit Liabilities |
| 2009027861 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 82.08 | Tax Value Included First Lien Mortgage Payment |
| 2009027861 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.37 | 46.05 | DTI is within Tolerance with a variance of 0.32 |
| 2009027862 |  | XX | XX | Loan Purpose | the1003Page | Refinance | Other | Refinance type is cash out-other |
| 2009027862 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 725 | 0 | As per credit report FICO is 725. 1008 does not reflect the FICO score. |
| 2009027863 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 735 | 0 | Confirmed verified mid score is 735. FICO not reflected on the 1008. |
| 2009027863 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 1 | 2nd lien. Zero HOI properly reflected. |
| 2009027863 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42 | 40.59 | Confirmed verified DTI of 42% is within guideline requirement. |
| 2009027864 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 742 | 0 | FICO Score updated per credit report and 1008 does not reflect the FICO Score. Finding added. |
| 2009027865 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 682 | 0 | Tape data and 1008 are blank. Finding opened for corrected 1008 |
| 2009027865 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.92 | 40.1 | Variance is less than 1% |
| 2009027866 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 746 | 0 | Updated as per Credit report. No FICO reflected on the 1008. |
| 2009027867 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 742 | 0 | Updated as per Credit Report |
| 2009027867 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX | Updated as per Appraisal |
| 2009027868 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 83.55 | 82.39 | Unpaid bal considered from Gap report. CLTV calc : previous 1st lien bal $xx + current loan amount $xx /appraisal $xx\*100. |
| 2009027868 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 749 | 0 | Qualifying FICO on the 1008 Page is blank, Qualifying FICO from the Credit Liabilities Page is '749'. |
| 2009027869 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 711 | 0 | Qualifying FICO score verified from credit report. |
| 2009027869 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 66.75 | Total Monthly Property Insurance Amount included in first lien. |
| 2009027870 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 693 | 0 | QualifyingFICO 693 as per credit report. |
| 2009027870 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 235.76 | Insurance amount is included in Mortgage payment. |
| 2009027870 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.18 | 42.19 | Variance is less then 1. |
| 2009027871 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 744 | 0 | QualifyingFICO 744 Confirmed |
| 2009027871 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 46.25 | Monthly Property Insurance amount included in 1st Lien |
| 2009027871 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.19 | 40.4 | DTI 40.19 confirmed as all liabilities entered from gap credit report |
| 2009027872 |  | XX | XX | Property Address | notePage | XXX | XXX | Property address confirmed from #415. |
| 2009027872 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 712 | 0 | Fico is getting 712 while selecting Qualified fico method as Primary Wage Earner. |
| 2009027872 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX |  |
| 2009027872 |  | XX | XX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |  |
| 2009027872 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 937.76 | 937.77 | Decimal Round up values |
| 2009027872 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.11 | 44.98 | Verified All other monthly payment is 15526 and 1008 All other monthly payment shows $14543.26 and this is impacting on DTI. |
| 2009027890 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 231.5 | Hazard insurance is not impounded for second liens |
| 2009027890 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.91 | 49.64 | Calculated DTI of 50.92% exceeds Guideline DTI of 50%. (Per mortgage statement page 263, First Lien amount is $xx + Other REO losses is $113.74 + Present Loan or Second Lien amount is $xx = Total Liabilities $3768.3, DTI will be 3763.3 / 7400 \*100 = 50.92) and 1008 considered the first lien amount as $xx. |
| 2009027895 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 781 | 0 | FICO Score confirmed on credit report. Tape data reflects 0 |
| 2009027895 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 66.6 | 66.59 | Rounding. |
| 2009027893 |  | XX | XX | Property Address | notePage | XXX | XXX | System values |
| 2009027893 |  | XX | XX | Borrower 2 First Name | notePage | XXX | XXX | Borrower 2 first name updated as per ID provided |
| 2009027893 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 772 | 743 | Qualifying FICO method updated as per GLs |
| 2009027888 |  | XX | XX | Property Address | notePage | XXX | XXX | System values |
| 2009027888 |  | XX | XX | Borrower 1 Last Name | notePage | XXX | XXX | Borrower 1 Last Name verified from ID |
| 2009027888 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 99.58 | Property Insurance are not impounded to second liens |
| 2009027888 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.13 | 38.783 | Variance is less than 1% |
| 2009027903 |  | XX | XX | Qualifying LTV | propertyValuationPage | 33.28 | 34.41 | Variance is due to discrepancy in property value on appraisal and value on 1008 provided. |
| 2009027903 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 72.45 | 74.92 | Variance is due to discrepancy in property value on appraisal and value on 1008 provided. |
| 2009027892 |  | XX | XX | Property Address | notePage | XXX | XXX | System values |
| 2009027892 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 727 | 700 | True data reflects Qualifying FICO per lender GL requirements |
| 2009027892 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 306.92 | Hazard insurance is not impounded for second liens |
| 2009027892 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.08 | 26.163 | Variance is less than 1% |
| 2009027896 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.34 | 32.204 | All payments and balances updated from Gap report resulting in minor variance in DTI but well within Guideline limit |
| 2009027897 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 66.32 | 66.37 | Unpaid bal considered from CBR . CLTV calc : previous 1st lien bal $xx + current loan amount $xx/appraisal $xx\*100. |
| 2009027897 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 333.75 | 195.75 | True data reflecting Homeowner's Insurance $195.75 + Supplemental Property Insurance $138. |
| 2009027897 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.33 | 37.32 | DTI discrepancy is due to rent income qualified by U/W is $3900 where calculated rent amount is $631.31. |
| 2009027898 |  | XX | XX | Borrower 1 Last Name | notePage | XXX | XXX |  |
| 2009027898 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 692 | 700 | Updated as per Credit Report |
| 5250592110 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated as per initial 1003. |
| 5250490641 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Confirmed per Note document. |
| 5250490641 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property Type is PUD. PUD Rider provided in DOT. |
| 5250592386 |  | XX | XX | Property Type | propertyValuationPage | Single Family Detached | PUD | Property Type considered from Appraisal report. |
| 4250490782 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | initial 1003 is missing in file |
| 4250388363 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.77 | 41.84 | xx this account shows $114 as per 1003 and credit report $113.<br> xx this account shows $21 as per 1003 and credit report $15 Due to this DTI getting mismatching. |
| 2009027902 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | True data reflects borrower's employment status |
| 2009027902 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 73.06 | 73.57 | System values |
| 2009027902 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 1667.23 | Porperty taxes are not imponded for second liens |
| 2009027902 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.21 | 34.595 | Variance is less than 1% |
| 2009027901 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 41.53 | 41.07 | Unpaid balance considers from latest credit report Updated the same. |
| 5250386871 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Y | Full doc Is Conformed Loan is qualifying with Wage income. |
| 5250386871 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.28 | 42.44 | Qualifying Total Debt Income Ratio is matching variance is less then Guideline. |
| 2009027900 |  | XX | XX | Property Address | notePage | XXX | XXX | System values |
| 2009027900 |  | XX | XX | Qualifying LTV | propertyValuationPage | 27.4 | 27.39 | Rounding |
| 2009027894 |  | XX | XX | Qualifying LTV | propertyValuationPage | 25.43 | 25.42 | Rounding |
| 2009027894 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 80 | 79.99 | Rounding |
| 5250593390 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | N | Borrower 1 Self-Employment Flag updated as YES. CPA letter in file verifying ownership and income verified from P&L. |
| 5250593390 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed as 03/XX/2025 from Disclosure Tracking, p 175 and Initial 1003, p 410. |
| 5250593390 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 56.98 | 57.08 | Discrepancy within decimals. |
| 5250593390 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 41.19 | 12.13 | True Data matches the 1008 which reflects 41.190%. |
| 5250593390 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.42 | 14.67 | The 1008 reflects 44.095%. Qualifying Total Debt Income Ratio is within guidelines. 1008 reflects All Other Monthly Payments of $2770 and verified amount is $6892, causing the variance. |
| 5250593200 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type confirmed from PUD rider and appraisal. |
| 2009027923 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 56.49 | 56.48 | Rounding |
| 2009027923 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 251.93 | Escrow is a not impounded for second liens |
| 2009027923 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.72 | 40.973 | Variance is less than 1% |
| 2009027922 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 60.89 | 60.88 | Variance is 0.01. Rounded from 60.887% to 60.89%. |
| 2009027922 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 242.25 | TotalMonthlyPropertyInsuranceAmount is included in Mortgage payment. Verified on Mortgage Statement on p 176. |
| 5250592239 |  | XX | XX | Borrower 2 Self-Employment Flag | employmentIncomePage | No | N | Borrower 2 Self-Employment Flag NO confirmed. |
| 5250592239 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 1 Self-Employment Flag Yes Confirmed. |
| 5250592239 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date considered from Initial originator Signature. |
| 5250592239 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed and updated drop down. |
| 5250592239 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position 2 confirmed |
| 5250592239 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.87 | 46.49 |  |
| 5250592239 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 38.65 | 39.17 |  |
| 2009027927 |  | XX | XX | Lien Position | TitlePage | XXX | XXX | Subject loan isa second lien |
| 4250592982 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.61 | 41.54 | Updated as per document |
| 2009027925 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Borrower is wage earner and self employed |
| 5250490916 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Updated as per Appraisal |
| 5250592645 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | System values |
| 5250592645 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | System values |
| 5250592645 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 44.17 | 44.24 | System values |
| 5250592645 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.31 | 14.58 | Variance is less than 1% |
| 5250592900 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date is updated as per LO signature date per initial 1003. |
| 5250593502 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 22.15 | 22.13 | Employment Income verified per bank statement calculation at $18,362.85 while 1003 reflects $18,381 |
| 5250593502 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.15 | 22.19 | Employment Income verified per bank statement calculation at $18,362.85 while 1003 reflects $18,381. Updated trade lines as per gap credit report. |
| 5250695071 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | System values |
| 2009027926 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX | Confirmed from Appraisal |
| 2009027926 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 321.75 | 100 | Confirmed from Insurance document |
| 2009027926 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.17 | 28.551 | DTI difference is 0.61% which is within the variance limit |
| 5250592992 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | System values |
| 5250490627 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.06 | 33.04 | DTI per review calculation meets Lender GL requirements |
| 5250491102 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property Type verified on appraisal report. |
| 5250593421 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Updated as per Appraisal. |
| 5250592974 |  | XX | XX | Loan Amount | notePage | XXX | XXX | Updated as per Note and Final CD |
| 5250592974 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated as per Initial 1003. |
| 5250592974 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 2613.85 | 2586.42 | Updated as per Note and Final CD |
| 5250592974 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 33.8 | 17.60 | Updated as per verification. Calculated DTI meets guidelines requirements |
| 5250592974 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.23 | 24.46 | Updated as per verified liabilities. Calculated DTI meets guidelines requirements |
| 5250693786 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | System values |
| 5250693786 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | N | System values |
| 5250693786 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | System values |
| 5250693786 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.9 | 39.60 | Variance is less than 1% |
| 5250490316 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Property zip code confirmed |
| 5250490316 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 20.12 | 17.80 | Qualifying CLTV is 20.12 |
| 5250593472 |  | XX | XX | Borrower 1 Total Income | the1003Page | 96325.78 | 96420.17 | Total income confirmed, Calculation confirmed from bank statements |
| 5250593472 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date 05/XX/2025 confirmed |
| 5250593472 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.36 | 34.36 | DTI 49.36 confirmed |
| 5250693996 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type updated as per Appraisal |
| 5250591482 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD per appraisal and 1008. |
| 5250592370 |  | XX | XX | Borrower 1 Total Income | the1003Page | 10790 | 11093.00 | True data updated as per Final 1003 |
| 5250592370 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 68.38 | 68.48 | Rounding |
| 5250592370 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 17.73 | 9.79 | True data matches 1008. DTI meets lender GL requirements |
| 5250592370 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.05 | 17.11 | True data matches 1008. DTI meets lender GL requirements |
| 5250592083 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated as per Initial 1003. |
| 5250592083 |  | XX | XX | First Payment Date | notePage | XXX | XXX | As per Note document first payment date is 08/XX/2025 |
| 5250592083 |  | XX | XX | Maturity Date | notePage | XXX | XXX | As per Note document Maturity date is 07/XX/2055 |
| 5250592083 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.73 | 48.47 | Variance is <1% variance is acceptable. |
| 4250593083 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | ApplicationDate 05/XX/2025 confirmed from Initial 1003. |
| 4250593083 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | PropertyType Two to Four Unit confirmed from Appraisal report. |
| 2009027962 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 683 | 0 | Per Credit report FICO score is 683. |
| 2009027962 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.25 | 37.42 | Per 1008 HOA is 355.83 per Appraisal it is $305. Due to this variance in DTI |
| 2009027952 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 739 | 0 | As per credit report qualifying fico is 739 |
| 2009027952 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 156.68 | Insurance is escrows on 1st lien and it's included 1st lien monthly payments, so not added |
| 5250694075 |  | XX | XX | Borrower 1 Total Income | the1003Page | 494985.61 | 541019.92 | Borrower qualified income consider as lower after include the larger deposits and updated as $494,982.6. |
| 5250694075 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type is 2-4 unit as per appraisal report updated the same. |
| 5250694075 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 74.88 | 75.00 | Audited HLTV exceeds guidelines of 80% |
| 5250694075 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.53 | 21.48 | Borrower qualified income consider as lower after include the larger deposits and updated as $494,982.6. due to less income DTI discrepancy occurred. |
| 5250694075 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 6.09 | 5.30 | Borrower qualified income consider as lower after include the larger deposits and updated as $494,982.6. due to less income HTI discrepancy occurred. |
| 5250489655 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Self employed Borrower |
| 5250489655 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed |
| 5250489655 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 79.57 | 80.00 | Rounding Factor |
| 5250489655 |  | XX | XX | Property Type | propertyValuationPage | Condominium | DetachedCondo | Proeprty tyle is condominium |
| 5250489655 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Second Lien |
| 5250489655 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.57 | 15.58 | Rounding Factor |
| 5250592503 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | loan program has confirmed from lock confirmation. |
| 5250592503 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | property type confirmed from unit numbers and appraisal form. |
| 2009027941 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 709 | 0 | Qualifying FICO of 709 updated as per the CR. It is missing on the 1008. |
| 2009027941 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.63 | 43.72 | On the 1008, the First Mortgage P&I is reflected as $712.15 however the mortgage statement, p 209, reflects the P&I of $647.60. |
| 2009028009 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.02 | 40.62 | Qualifying Total Debt Income Ratio variance because of income updated as per income document DTI is with in the guideline, hence Finding not added. |
| 2009028021 |  | XX | XX | Property Address | notePage | XXX | XXX | System values |
| 2009028021 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.19 | 42.336 | Back end DTI meets lender guideline requirement. |
| 2009028004 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 56.06 | 56.05 | Rounding |
| 2009028004 |  | XX | XX | Qualifying LTV | propertyValuationPage | 18.04 | 18.03 | Rounding |
| 2009028004 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 342.26 | Total Monthly Property Insurance Amount is escrowed to first lien |
| 2009028004 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.92 | 41.508 | Variance is less than 1% |
| 2009028011 |  | XX | XX | Property Address | notePage | XXX | XXX | System values |
| 2009027960 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 84.96 | 85 | ROunding Factor |
| 2009027960 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 759 | 0 | As per GL of AFC Matrix FICO score is selected |
| 2009027960 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.59 | 44.69 | First lien amount is considered from Credit report. Hence there is variance. |
| 5250592166 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 5.51 | 5.50 | variance in decimal |
| 5250592166 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.38 | 24.32 | variance in decimal |
| 2009027961 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 782 | 0 | Confirm with credit report |
| 2009027959 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 797 | 0 | Selected as per the guidelines |
| 2009027959 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.76 | 49.59 | HTI & DTI is 44.76% |
| 2009027948 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 701 | 0 | Fico not reflecting in 1008, considered Fico from Credit Liabilities |
| 2009027948 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 111.67 | True Data Property Insurance value is 0 as it is included in mortgage payment(xx) |
| 2009027948 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.31 | 36.37 | Variance True data DTI to Tape Data DTI as Tradeline xx CARD #xx with payment of $156 is included in DTI Calculation, But as per Gap credit Report Tradeline has no Payment, Hence There is a variance in DTI |
| 2009027921 |  | XX | XX | Property Address | notePage | XXX | XXX | System values |
| 2009027921 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.67 | 48.195 | Back end DTI meets lender guideline requirements |
| 5250695786 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed |
| 2009028016 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 38.95 | 39.24 | Variance is less than 1. |
| 5250592572 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | System values |
| 2009027946 |  | XX | XX | Property Address | notePage | XXX | XXX | Property Address considered from Note document. |
| 2009027946 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 684 | 0 | Qualifying FICO score considered from Credit report. |
| 2009027946 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 458.09 | 443.42 | Initial Monthly P&I Or IO Payment considered from Note document. |
| 2009027946 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 177.42 | 153.35 | Total Monthly Property Insurance Amount considered from Hazard document. |
| 4250592683 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.68 | 49.79 | Qualifying Total Debt Income Ratio Rounding the Value. |
| 5250694483 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Tape considered last four digits of zip code. |
| 5250694483 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 18.22 | 18.44 | As per mortgage statement 1st lien monthly payment is $xx with escrow but 1008, Loan approval considered as $xx. |
| 5250694483 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.79 | 26.01 | As per mortgage statement 1st lien monthly payment is $xx with escrow but 1008, Loan approval considered as $xx. |
| 5250592446 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | System values |
| 5250592446 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | System vsluies |
| 5250592446 |  | XX | XX | Property Type | propertyValuationPage | Single Family Detached | PUD | Property Type confirmed on Appraisal. |
| 5250592446 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.66 | 41.06 | Variance is less than 1% |
| 5250694418 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed from initial application 784. |
| 5250694418 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 1 self-employed flag confirmed from the ownership percentage. |
| 5250693699 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position 2 confirmed . |
| 5250693699 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 77.32 | 77.04 | Qualifying CLTV Rounding the Value. |
| 5250693699 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.5 | 34.91 | Qualifying Total Debt Income Ratio Rounding the Value. |
| 5250693699 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 21.55 | 20.96 | Qualifying Housing Debt Income Ratio Rounding the Value. |
| 5250593168 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed with initial 1003. |
| 5250593168 |  | XX | XX | Borrower 1 Total Income | the1003Page | 7465.35 | 8298.35 | 1003 and 1008 reflects income as $7465.35. |
| 5250593168 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type confirmed with appraisals report. |
| 5250593168 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 60.14 | 60.24 | 1st lien out standing amount considered form mortgage statement but 1003 considered from credit report. |
| 5250593168 |  | XX | XX | Maturity Date | notePage | XXX | XXX | Maturity date confirmed with Note and DOT. |
| 5250593168 |  | XX | XX | First Payment Date | notePage | XXX | XXX | First payment considered form Note document and payment letter. |
| 5250593168 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.58 | 24.05 | Tape considered different values. |
| 5250593168 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 41.38 | 18.77 | Tape considered different values. |
| 5250592194 |  | XX | XX | Property City | notePage | XXX | XXX | As per Note's Subject Address city is XX & as per 1003 final present address City is XX. |
| 2009027950 |  | XX | XX | Property Address | notePage | XXX | XXX | True Data includes Unit #B as reflected on the Note. |
| 2009027950 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | Confirmed verified FICO score is 751. |
| 2009027949 |  | XX | XX | Property Address | notePage | XXX | XXX | System values |
| 2009027949 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 740 | 0 | True value is the Qualifying FICO per credit report. Tape data reflects 0 |
| 2009028055 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 684.46 | Property Insurance are not impounded to second liens |
| 2009028055 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX | Updated as per appraisal. Tape data reflects the year 2020 |
| 2009028053 |  | XX | XX | Property Address | notePage | XXX | XXX | True data includes Unit number as per Note |
| 2009028053 |  | XX | XX | Loan Purpose | the1003Page | Refinance | Other | True data reflects Loan purpose. Tape data reflects other |
| 2009028053 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 689 | 0 | True data is qualifying FICO updated per CBR provided. Tpae data reflects 0 |
| 2009028053 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 60.92 | Property insurance is not impounded to second lien |
| 2009028052 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 731 | 0 | Qualifying FICO score updated as per credit report. |
| 2009028040 |  | XX | XX | Loan Purpose | the1003Page | Refinance | Other | Loan Purpose updated as per 1003, Final CD document. |
| 2009028040 |  | XX | XX | Borrower 1 FTHB | the1003Page | false | true | Conformed Borrower is not FTHB. |
| 2009028040 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 730 | 0 | Qualifying FICO 1008 is not reflecting Fico amount updated as per credit Report, added finding for 1008 document. |
| 2009028040 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 208.59 | Monthly Property Insurance Amount amount is escrowed in First lien, hence not updated in 2nd lien. |
| 2009028040 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.91 | 39.58 | Qualifying Total Debt Income Ratio is variance in dismal with in the guideline requirement. |
| 5250593258 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | System values |
| 5250593258 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | System values |
| 5250593258 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 84.89 | 84.53 | True data is verified CLTV calculation. Variance is less than 1% |
| 5250593258 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.7 | 24.96 | Variance is less than 1% |
| 5250593258 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 16.39 | 16.40 | Variance is less than 1% |
| 4250592928 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX |  |
| 4250592928 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 84.64 | 85.00 | Variance is less than 1% |
| 4250592928 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.83 | 47.82 | Rounding |
| 4250694919 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.97 | 48.20 | All liabilities are updated as per latest credit report, however DTI variance is 0.23 only. |
| 2009028051 |  | XX | XX | Loan Type | the1003Page | Conventional | FHA | Loan Type is Conventional not a FHA. |
| 2009028051 |  | XX | XX | Property Address | notePage | XXX | XXX | As per Note pg- 382 Property Address is XXX.  |
| 2009028051 |  | XX | XX | Proposed Mortgage Insurance | the1008Page | XXX | XXX | Proposed Mortgage Insurance will be available only for above 85% LTV/CLTV. Loan CLTV is 84.97% which does not require any Mortgage Insurance<br>|
| 2009028051 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 741 | 0 | As per primary wage earner fico method qualifying Fico is 741. |
| 2009028051 |  | XX | XX | Lien Position | TitlePage | XXX | XXX | Lien position should be 2nd. Tape data reflecting as 1st lien. |
| 2009028051 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 833.34 | 2342.92 | As per Note pg- 382 Initial Monthly PI Or IO Payment is $833.34. |
| 2009028051 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX | As per appraisal pg-27, primary appraisal date is 04/XX/2025 . |
| 2009028051 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 270.05 | 150 | True data is correct and verified as per HOI cert pg-300 , annual Premium amnt is $3240.62/12=$270.05. Tape data shows null value/$0. Hence confirmed. |
| 2009028051 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.3 | 43.06 | DTI discrepancy is due to First Mortgage P&I. In 1008 First Mortgage P&I mentioned as $1,491.44 whereas per provided Mtg pg-376 P&I is $1,274.94. |
| 5250693988 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | System values |
| 2009027936 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 51.56 | 51.73 | Most recent UPB considered from gap on page#140 |
| 2009027936 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 223.33 | Insurance included in the 1st lien monthly payment adjusted in title section |
| 2009027936 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.19 | 37.61 | Tradeline xx has zero payment per CBR whereas per Final 1003 has payment of $30 resulting variance in DTI but well with in guideline limit |
| 2009027937 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 753 | 0 | FICO is missing in provided 1008. Qualifying fico is 753 as per credit report. |
| 2009027938 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 720 | 0 | Qualifying FICO updated as per credit report |
| 2009027938 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 213.42 | 1 | True data verified as per HOI cert Tape data reflects $1.  |
| 2009027939 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 30.14 | 30.23 | 1st lies outstanding balance is $xx, Considered from recent mortgage statement dated 06/xx/25 page 299. but 1003 considered the $103974. |
| 2009027939 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 246.86 | Insurance are escrows on 1st lien and it's included 1st lien monthly payments, so not added. |
| 2009027940 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 713 | 0 | 1008 does not reflect the qualify credit score and raised the finding for 1008. |
| 2009027940 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 56.66 | 56.85 | 1st lies outstanding balance is $xx, Considered from credit supplement page 119. but 1003 considered the $xx from initial credit report. |
| 2009027940 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 273.17 | Insurance is escrows on 1st lien and it's included 1st lien monthly payments, so not added. |
| 2009027943 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 721 | 0 | FICO updated as per FICO scores |
| 2009027943 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 288.58 | 288.59 | The Difference is below $1 |
| 2009027943 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.68 | 32.82 | Calculated DTI is 32.68 where as Tape date reflecting as 32.82 the difference is due to 1st lien amount |
| 2009027944 |  | XX | XX | Property Address | notePage | XXX | XXX | Updated from Note document |
| 2009027944 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 755 | 0 | FICO score is 755 |
| 2009027944 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 417.51 | Loan is escrow waiver amount is included in lien P&I |
| 2009027945 |  | XX | XX | Loan Purpose | the1003Page | Refinance | Other | Loan purpose is Refinance cash out file |
| 2009027945 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 693 | 0 | As per credit report qualifying fico 693 |
| 2009027947 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 32.59 | 32.64 | Variance is <1% |
| 2009027947 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 722 | 0 | Updated FICO score as per Credit report. |
| 2009027947 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 230.5 | MonthlyPropertyTaxAmount included in Mortgage payment. |
| 2009027947 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.03 | 44.48 | Variance is within Guidelines. |
| 2009027951 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 243.6 | Property Insurance are not impounded to second liens |
| 2009027951 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.49 | 38.51 | DTI confirmed as all liabilities entered from credit report document |
| 2009027954 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 771 | 0 | True data is qualifying FICO confirmed from Credit report |
| 2009027955 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 720 | 0 | Updated as per Credit report |
| 2009027956 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 791 | 0 | Updated as per Credit Report. |
| 2009027957 |  | XX | XX | Property Address | notePage | XXX | XXX | Property address updated as per note document. |
| 2009027957 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 57.5 | Monthly property insurance already included in 1st lien. |
| 2009027958 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 680 | 0 | Qualifying FICO score updated as per Credit report provided |
| 2009027958 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 138.32 | Monthly property insurance is escrowed to first mortgage. |
| 2009027958 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.77 | 39.25 | DTI per review calculation meets lender guideline requirement. |
| 2009028044 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 739 | 0 | Confirm with final credit report, Tape data and 1008 are blank |
| 2009028060 |  | XX | XX | Property Address | notePage | XXX | XXX | Confirmed from Note document |
| 2009028060 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 785 | 715 | As per Guidelines considered primary wage earner |
| 2009028060 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX | Confirmed from Appraisal report |
| 2009028059 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 809 | 0 | Confirmed from Credit Report |
| 2009028039 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 80.05 | 80.18 |  |
| 2009028039 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 774 | 0 | Qualifying FICO 1008 is not reflecting Fico amount updated as per credit Report, added finding for 1008 document. |
| 2009028039 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 150.25 | Monthly Property Insurance Amount amount is escrowed in First lien, hence not updated in 2nd lien. |
| 2009028039 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.83 | 38.29 | Qualifying Total Debt Income Ratio is variance because of First mortgage PITI is deference in 1008 & 1003, Added finding for 1008 Document. |
| 5250694000 |  | XX | XX | Maturity Date | notePage | XXX | XXX | Confirmed Maturity date is 08/XX/2025. |
| 5250694000 |  | XX | XX | First Payment Date | notePage | XXX | XXX | Confirmed First payment date is 09/XX/2025. |
| 2009027889 |  | XX | XX | Property Address | notePage | XXX | XXX | Property address confirmed |
| 2009027889 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 91.96 | Monthly property insurance amount is $0 |
| 2009027889 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.18 | 47.483 | All tradelines updated as per credit report and all other monthly payments not matching with 1008 due to this DTI is getting variance |
| 5250592161 |  | XX | XX | Borrower 1 Total Income | the1003Page | 21024 | 38429.38 | Borrower qualified income comes as $21,024 and updated the same. |
| 5250592161 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property is in PUD as per appraisal report and updated the same. |
| 5250592161 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 89.88 | 90.28 | Qualifying CLTV is 89.88 and updated the same. |
| 5250592161 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 24.87 | 4.42 | Subject property primary mortgage, taxes and insurance amounts are updated correctly as per documents and HTI comes as 24.87%. |
| 5250592161 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.9 | 5.51 | Subject property primary mortgage, credit liabilities taxes and insurance amounts are updated correctly as per documents and DTI comes as 26.9 |
| 2009028037 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 707 | 0 | Confirmed from Credit Report. |
| 2009028019 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 81.5 | 85 | Unpaid bal considered from mortgage statement. CLTV calc : previous 1st lien bal $xx+ current loan amount $xx/appraisal $xx\*100 = 81.5 |
| 2009028019 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 398 | Total Monthly Property Insurance Amount is not impounded to second liens |
| 2009028019 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.59 | 48.403 | Variance is less than 1% |
| 2009028008 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | As provided 1003 and VOE |
| 4250693806 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.89 | 49.77 | Variance in decimal |
| 2009028012 |  | XX | XX | Borrower 1 First Name | notePage | XXX | XXX | System values |
| 2009028012 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 768 | 775 | True data Qualifying FICO is Primary wage earner updated as per GL requirement |
| 2009028012 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 910.58 | Total Monthly Property Insurance Amount is impounded with 1st lien |
| 2009028012 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0.35 | 80.4 | Qualifying Total Debt Income Ratio meets lender GL requirement |
| 2009028058 |  | XX | XX | Loan Purpose | the1003Page | Refinance | Other | Loan purpose is refinance cash out file |
| 2009028058 |  | XX | XX | Borrower 1 FTHB | the1003Page | false | true | Borrower is not a first time home buyer |
| 2009028058 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 762 | 0 | As per credit report Qualifying fico is 762 |
| 2009028018 |  | XX | XX | Qualifying LTV | propertyValuationPage | 29.9 | 31.32 | Second lien of $xx / AV of $xx = 29.90%. |
| 2009028018 |  | XX | XX | Qualifying Interest Rate | notePage | 10.5 | 9.375 | Note and Final CD confirm the interest rate of 10.5%. |
| 2009028018 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 701 | 696 | FICO mid-score updated as per CR reflecting 701 which matches the 1008. |
| 2009028018 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 80 | 45.22 | First lien balance of $xx + second lien of $xx = $xx / AV of $xx = 79.89%. |
| 2009028018 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 166.58 | Monthly insurance is included in first mortgage payment hence updated as $0. |
| 2009028018 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.1 | 42.336 | Income variance between what was reported on the 1008 of $12,151 and the verified income of $11,707.14. Taxes and Insurance are paid with the first lien payment. The 1008 reflects a DTI of 24.646. Review calculation of 26.1 is within GLs. |
| 2009028003 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.09 | 18.176 | Front and Back end DTI per review calculation includes first mortgage P&I for DTI calculation. |
| 2009027996 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 65.7 | 65.89 | As per 1003 2nd lien unpaid balance amount is xx however as per latest mortgage statement balance amount is $357,744.40 due to this difference came |
| 2009028056 |  | XX | XX | Property Address | notePage | XXX | XXX | Updated address as per Note |
| 2009028056 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 717 | 0 | Fico Method selected as primary wage earner and got 717 score |
| 2009028050 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 755 | 0 | Confirmed verified FICO score is 755. |
| 5250694094 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | N | Borrower 1 Self-Employment Flag No. |
| 5250694094 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed and Updated Drop down. |
| 5250694094 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date considered from Initial Originator Signature Date. |
| 5250694094 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position 2 confirmed. |
| 5250694094 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 21.65 | 21.63 | Qualifying Housing Debt Income Ratio Rounding the value. |
| 5250694094 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.79 | 28.77 | Qualifying Total Debt Income Ratio Rounding the Value. |
| 5250695231 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | ApplicationDate 06/XX/2025 confirmed from Initial 1003. |
| 5250695231 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 22.75 | 2.77 | QualifyingHousingDebtincomeRatio of 22.75 is matching with 1008. |
| 5250695231 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.14 | 22.36 | QualifyingTotalDebtIncomeRatio of 44.14 is matching with 1008. |
| 2009028001 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 781 | 0 | FICO score not updated under 1008, condition added for the same and score updated from credit report. |
| 2009028001 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.72 | 47.621 | All credit liabilities, taxes, insurance and negative rental income amounts are updated as per provided documents and condition added for updated 1008. |
| 2009028057 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 717 | 0 | Qualifying FICO score updated as per Credit report. |
| 2009028057 |  | XX | XX | Primary Appraisal Date | propertyValuationPage | XXX | XXX | Primary Appraisal Date updated per Appraisal. Tape data reflects the incorrect year. |
| 2009028054 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 679 | 0 | Qualifying FICO updated as per credit report |
| 2009028048 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 773 | 0 | Confirmed from Credit Report |
| 2009028047 |  | XX | XX | Property Address | notePage | XXX | XXX | Property Address Confirmed from Note & DOT. |
| 2009028047 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 194.17 | Insurance included in first lien. |
| 2009028047 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.93 | 41.87 | As per 1008 "Total Subject Housing Expense" is $2,898.95. However, verified is $2,984.31, Variance is $85.36 due this DTI is not matching. DTI is with GL hence not added finding. |
| 2009028045 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 41.62 | 42 | CLTV variance is less than 1. |
| 2009028045 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 721 | 0 | As per primary wage earner fico method qualifying Fico is 721. |
| 2009028042 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 690 | 0 | Qualifying FICO confirmed per credit report |
| 2009028042 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 228.34 | Property Insurance is not impounded to second liens |
| 2009028041 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 767 | 0 | Qualifying FICO is reflecting 1008 is added finding for updated 1008. |
| 2009028038 |  | XX | XX | Property Address | notePage | XXX | XXX | Property address confirmed from note final #237. |
| 2009028038 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 727 | 0 | After selection of primary wage earner getting fico is 727. |
| 2009028038 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 350.67 | Monthly property tax and monthly insurance amount is already included in P and I amount. |
| 5250694289 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Property zip code updated as per note document. |
| 5250693859 |  | XX | XX | Property Value | propertyValuationPage | XXX | XXX | Property value is $XXX as per the supp docs. |
| 5250693859 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | LO signed on 06/XX/2025. |
| 5250693859 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed. |
| 5250693859 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 62.23 | 62.27 | Rounding Factor. |
| 5250693859 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.85 | 26.26 | Updated as per the updated credit report. |
| 5250693859 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 19.55 | 19.65 | Rounding Factor. |
| 5250694892 |  | XX | XX | Borrower 1 Total Income | the1003Page | 5353.89 | 5354.00 | Borrower 1 Total Income is matching Variance is Less than $1. |
| 5250694892 |  | XX | XX | Loan Amount | notePage | XXX | XXX | Loan Amount updated as per Note document. |
| 5250694892 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date updated as per Initial 1003 document. |
| 5250694892 |  | XX | XX | Borrower 2 Total Income | the1003Page | 2864.8 | 2684.80 | Borrower 2 Total Income is updated as per SSI Document income. which is matching with 1008 and 1003. |
| 5250694892 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 67.67 | 66.26 | Qualifying CLTV True date Is matching with 1008 CLTV, hence not added condition. |
| 5250694892 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 1113.75 | 1031.33 | Initial Monthly P&I Or IO Payment updated as per Note document. |
| 5250694892 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.14 | 47.35 | Qualifying Total Debt Income Ratio true date is matching with 1008, variance is less than 1% hence not added finding. |
| 5250694892 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 49.14 | 22.33 | Qualifying Housing Debt Income Ratio is matching with 1008, variance is less than 1% hence not added finding. |
| 5250796263 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Zip code confirmed from Note final #542 |
| 5250694406 |  | XX | XX | Borrower 1 Total Income | the1003Page | 9565.87 | 9565.74 | Total of 4 income is getting 9565.87. |
| 5250694406 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Self-employed flag confirmed from CPA letter |
| 5250694406 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien position confirmed from 1008 and 1003. |
| 5250694406 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 69.15 | 63.15 |  |
| 5250694406 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 36.78 | 37.04 | Monthly Other Lien Payment different on 1008 and 1003 primary mortgage and on mortgage STMT . and it is impacting on DTI and HTI |
| 5250694406 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.46 | 46.72 | Monthly Other Lien Payment different on 1008 and 1003 primary mortgage and on mortgage STMT . and it is impacting on DTI and HTI |
| 5250695818 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 74.92 | 74.80 | Qualifying CLTV matching variance is 0.12 |
| 5250796708 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan program has confirmed from Lock confirmation. |
| 5250796416 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date updated as per Initial originator signature date |
| 5250796416 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.84 | 35.16 | Updated all the liabilities correctly from credit report. |
| 5250592874 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Confirmed Application date is 05/XX/2025. |
| 5250592874 |  | XX | XX | Borrower 2 Total Income | the1003Page | 3521.07 | 3289.78 | Confirmed verified income IS $3,521.07 |
| 5250592874 |  | XX | XX | Borrower 1 Total Income | the1003Page | 6208.77 | 6856.07 | Confirmed total income is $6,208.77 |
| 5250592874 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Confirmed property type is Two to four unit. |
| 5250592874 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 78.39 | 65.54 | Confirmed verified CLTV is 78.39 |
| 5250592874 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.98 | 25.62 | Confirmed DTI is 49.98% |
| 5250592874 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 34.31 | 10.80 | Confirmed verified HTI is 31.31% |
| 5250796808 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Confirmed with Initial 1003 |
| 5250796808 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.36 | 23.46 | The two loans for xx, which had been excluded, and for xx, verified by the VOM, were added thus the DTI changed. The DTI is within GLs. |
| 5250797408 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | ApplicationDate XX confirmed from Initial 1003. |
| 5250797408 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 6.03 | 3.76 | QualifyingHousingDebtincomeRatio 6.03 is matching with 1008 with variance less than 1. |
| 5250797408 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.68 | 9.41 | QualifyingTotalDebtIncomeRatio 11.68 is matching with 1008 with variance less than 1. |
| 5250796458 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | ApplicationDate 06/XX/2025 confirmed from Initial 1003. |
| 5250796458 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 84.83 | 85.00 | Variance is less then 1. |
| 5250796458 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 20.2 | 7.57 | QualifyingHousingDebtincomeRatio 20.2 is matching with 1008 |
| 5250796458 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.31 | 7.89 | QualifyingTotalDebtIncomeRatio 23.31 is matching with 1008. |
| 5250695242 |  | XX | XX | Borrower 2 Total Income | the1003Page | 4850.59 | 4327.00 |  |
| 5250695242 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX |  |
| 5250695242 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |  |
| 5250695242 |  | XX | XX | Borrower 1 Total Income | the1003Page | 3916.38 | 3625.00 |  |
| 5250695242 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 49.86 | 56.87 |  |
| 5250695242 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien |  |
| 5250695242 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 16.88 | 12.20 |  |
| 5250695242 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.21 | 25.26 |  |
| 5250695274 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Confirmed Property type is PUD. |
| 5250796951 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | True data updated as per initial 1003 |
| 5250796951 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | System values |
| 5250796951 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | System values |
| 5250796951 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | System values |
| 5250796951 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.61 | 17.24 | True data is within 1% of DTI provided on 1008 |
| 5250796951 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 26.56 | 9.08 | True data is within 1% of DTI provided on 1008 |
| 5250695489 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date considered from Initial originator Signature Date |
| 5250695489 |  | XX | XX | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 2 Self-Employment Flag Yes. |
| 5250695489 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 1 Self-Employment Flag Yes. |
| 5250695489 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program considered from Drop down. |
| 5250695489 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 63.99 | 64.08 | Qualifying CLTV Rounding the Value. |
| 5250695489 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position 2 confirmed. |
| 5250695489 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 16.44 | 16.57 | Qualifying Housing Debt Income Ratio rounding the Value. |
| 5250695489 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.86 | 29.16 | Qualifying Total Debt Income Ratio Rounding the Value. |
| 5250695726 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | As per initial 1003 updated |
| 5250695726 |  | XX | XX | Borrower 1 Total Income | the1003Page | 4814.74 | 5151.45 | as per docs income is $4,814.74 |
| 5250695726 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 55.99 | 59.16 | calculated CLTV is 55.99 ($xx00+$1xx)/$xx |
| 5250695726 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | N | borrower is not employed |
| 5250695726 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.6 | 14.99 | calculated DTI is 34.60 where as tape data reflecting as 14.99 however DTI is with in the GL limit |
| 5250695726 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 34.6 | 14.99 | calculated HTI is 34.60 where as tape data reflecting as 14.99 |
| 5250695680 |  | XX | XX | Borrower 1 Total Income | the1003Page | 9000 | 10486.81 | Income verified from WVOE of $9000/month which aligns with 1008, 1003 and the lender's approval on p 493. |
| 5250695680 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.31 | 49.34 | True Data aligns with the 1008 and validated income of $9000 and validated liabilities. |
| 5250695680 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 42.11 | 37.10 | True Data aligns with the 1008 and validated income of $9000. |
| 2009028002 |  | XX | XX | Total Monthly Property Insurance Amount | propertyInsurancePage | 0 | 191.93 | Tape data reflects 0 because property insurance is escrowed to first lien |
| 5250593150 |  | XX | XX | Loan Amount | notePage | XXX | XXX | As per note document loan amount is $XX |
| 5250593150 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Property Zip code confirmed |
| 5250593150 |  | XX | XX | Interest Rate | notePage | 12.5 | 12.1250 | Interest date as per note document is 12.50 |
| 5250593150 |  | XX | XX | Initial Monthly P&I Or IO Payment | notePage | 1238.02 | 1121.30 | As per note document P&I 1238.02 |
| 5250695481 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD as per appraisal and updated the sa,me. |
| 5250695481 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.42 | 30.75 | All liabilities are updated as per latest credit report and PUD dues are in appraisal report as $220 but 1008 has $230 and flood insurance is $40.91 but 1008 has $80. due to these amounts DTI discrepancy occurred, However variance is 0.33 only. |
| 5250695481 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 26.23 | 26.37 | All liabilities are updated as per latest credit report and PUD dues are in appraisal report as $220 but 1008 has $230 and flood insurance is $40.91 but 1008 has $80. due to these amounts HTI discrepancy occurred, However variance is 0.14 only. |
| 4250695852 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 24.18 | 24.23 | Discrepancy is in decimal |
| 4250695852 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.2 | 46.81 | Due to discrepancy in All other monthly payments. |
| 5250796745 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated as per initial 1003 |
| 5250796745 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | System values |
| 5250796745 |  | XX | XX | Borrower 1 Total Income | the1003Page | 9113.18 | 9043.09 | True data reflects qualifying income per final 1003 |
| 5250796745 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 55.57 | 54.49 | True data calculated per first + second lien combined |
| 5250796745 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.65 | 23.84 | True data reflects back end DTI per audit |
| 5250796745 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 28.79 | 14.91 | System values |
| 5250797422 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 1 Self-Employment Flag Yes. |
| 5250797422 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed and updated drop down. |
| 5250797422 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.5 | 15.29 | Qualifying Total Debt Income Ratio rounding the Value. |
| 5250797422 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 7.58 | 7.38 | Qualifying Housing Debt Income Ratio rounding the Value. |
| 5250592800 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program considered from Drop down. |
| 5250592800 |  | XX | XX | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 2 Self-Employment Flag Yes, |
| 5250592800 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | N | Borrower 1 Self-Employment Flag Yes. |
| 5250592800 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date considered from Initial Originator Signature Date. |
| 5250592800 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position 2 confirmed |
| 5250592800 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.74 | 36.75 | Qualifying Total Debt Income Ratio Rounding the Value. |
| 5250797789 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 1 Self-Employment Flag Yes. |
| 5250797789 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date considered from Initial originator Signature Date. |
| 5250797789 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed and updated drop down. |
| 5250797789 |  | XX | XX | Borrower 1 Total Income | the1003Page | 24102.61 | 27316.29 | Borrower 1 Total Income considered as calculation. |
| 5250797789 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 51.34 | 51.49 | Qualifying CLTV rounding the value. |
| 5250797789 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position 2 confirmed . |
| 5250797789 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.91 | 11.99 | Qualifying Total Debt Income Ratio Matching with 1008 document. |
| 5250797789 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 21.31 | 8.42 | Qualifying Housing Debt Income Ratio Matching with Final 1008 , |
| 5250796023 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date update as per initial 1003 |
| 5250695503 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Confirmed from INitial 1003 |
| 5250695503 |  | XX | XX | Borrower 1 Total Income | the1003Page | 6862.81 | 7226.80 | Confirmed from Final 1003 |
| 5250695503 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.7 | 22.20 | Confirmed from 1008 |
| 5250695503 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 44.7 | 22.20 | Confirmed from 1008 |
| 5250695795 |  | XX | XX | Borrower 1 Total Income | the1003Page | 23442.97 | 22500.00 | Borrower total qualified income updated as per final 1003 and 1008. |
| 5250695795 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date updated as per LO signed on initial 1003. |
| 5250695795 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 69.87 | 23.81 | Calculated CLTV is 69.87% as per per property and 1008 pages and updated the same. |
| 5250695795 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.7 | 26.78 | All monthly credit liabilities, second home first lien details and negative rental income are updated as per provided documents and calculated DTI is 29.7%. |
| 5250796159 |  | XX | XX | Borrower 1 Total Income | the1003Page | 5715.18 | 5712.51 | B1TotalIncome $5715.18 Confirmed |
| 5250796159 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | N | True Data and Tape data Matches |
| 5250796159 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date 06/XX/2025 |
| 5250796159 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 67.34 | 67.42 | CLTV Confirmed |
| 5250796159 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 50 | 18.62 | HTI Confirmed |
| 5250796159 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50 | 46.63 | HTI Confirmed |
| 5250694568 |  | XX | XX | Borrower 1 Total Income | the1003Page | 50539.08 | 55326.89 | B1TotalIncome $55326.89 considered as per Calculated income. where as Final 1003 is $50539.08. |
| 5250694568 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 41.24 | 41.38 | Variance is less than 1. |
| 5250694568 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.8 | 30.20 | All other monthly payments updated as per latest credit report. variance is within Guidelines limit. |
| 5250796455 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position "2" and " Second Lien" both are same. |
| 5250695867 |  | XX | XX | Borrower 1 Total Income | the1003Page | 172985.89 | 188462.77 | Borrower 1 Total Income is $172,985.89, Verified from income sheet. |
| 5250695867 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 59.98 | 60.00 | CLTV is rounding/Minimal Difference. |
| 5250695867 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.55 | 27.30 | Qualifying Total Debt Income Ratio as per 1008 is 35.41% but due to slight difference in all other monthly payments we got 34.55%. |
| 5250695867 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 14.66 | 13.42 | Qualifying Housing Debt Income Ratio as per 1008 is 14.66%. |
| 5250796862 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan program confirmed per loan approval |
| 5250796862 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien position confirmed per loan approval |
| 5250796231 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Confirmed Application date is 07/XX/2025 |
| 5250796231 |  | XX | XX | Borrower 1 Total Income | the1003Page | 11407.72 | 11312.25 | Confirmed total income is $11,407.72. |
| 5250796231 |  | XX | XX | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Confirmed Property type is Townhouse. |
| 5250796231 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.43 | 12.69 | Confirmed verified DTI is 47.43% |
| 5250796231 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 20.77 | 11.09 | Confirmed Verified HTI is 20.77% |
| 5250694520 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | System values |
| 5250694520 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type confirmed on Appraisal <br>|
| 5250694520 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.82 | 45.85 | Lender's DTI calculation is more conservative than DTI calculation per audit. Both meet lender guideline requirement. |
| 5250694520 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 20.82 | 45.75 | Lender's DTI calculation is more conservative than DTI calculation per audit. Both meet lender guideline requirement. |
| 5250695914 |  | XX | XX | Borrower 1 Total Income | the1003Page | 15019 | 9000.00 | Borrower 1 qualified income updated as per final 1003 and 1008. |
| 5250695914 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date updated as per LO signed on initial 1003. |
| 5250695914 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.88 | 43.98 | All liabilities are updated as per credit report and Qualifying DTI is 44.88%. |
| 5250695914 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 14.39 | 6.06 | All liabilities are updated as per credit report and Qualifying HTI is 14.39%. |
| 5250797334 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Y | Confirmed B1 is a wage erner |
| 5250797334 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Confirmed from Appraisal |
| 5250797334 |  | XX | XX | Qualifying FICO | creditLiabilitiesPage | 737 | 744 | System considered qualifying FICO as lowest |
| 5250592154 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed on initial 1003 |
| 5250695632 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed. |
| 5250695632 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position is 2. |
| 5250695632 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 29.46 | 29.38 | Rounding Factor. |
| 5250695632 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 27.65 | 29.57 | Updated as per the supporting documents. |
| 5250695632 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.44 | 37.26 |  |
| 5250798071 |  | XX | XX | Borrower 1 Total Income | the1003Page | 17997.09 | 20577.72 | Borrower 1 Total Income as per 1003 & 1008 is $17,997.09. |
| 5250798071 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date as per page #448 is 06/XX/2025 as per LO sign date. |
| 5250798071 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type is 2-4 unit, verified from appraisal report. |
| 5250798071 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.93 | 23.06 | Total Monthly Liabilities/Total Qualifying Income\*100 = $6,285.50/$17,997.09\*100 = 34.93% DTI. |
| 5250797670 |  | XX | XX | Borrower 1 Total Income | the1003Page | 10853.67 | 10842.63 | True data is correct, verified per given income docs. |
| 5250797670 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Considered from initial 1003 app date. |
| 5250797670 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 65.89 | 14.04 | True data is correct, Tape shows LTV data. |
| 5250797670 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.67 | 31.64 | True data is correct, verified per given income docs. Matches with 1008. |
| 5250797670 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 25.03 | 6.89 | True data is correct, verified per given income docs. Matches with 1008. |
| 5250797054 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | Property Zip Code tape considered last 4 Digit. |
| 5250694595 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed and updated drop down . |
| 5250694595 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 1 Self-Employment Flag Yes confirmed |
| 5250694595 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type considered from Appriasal report. |
| 5250694595 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position 2 confirmed. |
| 5250797778 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PYD as per appraisal report and updated the same. |
| 5250796337 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 43.21 | 43.27 | 1st lien balance of $xx + 2nd of $xx = $xx / AV of $xx = 43.21%. |
| 5250796281 |  | XX | XX | Borrower 1 Total Income | the1003Page | 90165.23 | 94503.83 | True data is correct, Entered per provided final 1003 and 1008. Condition raised for income docs missing |
| 5250796281 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Considered from initial 1003 application date |
| 5250796281 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 52.72 | 62.22 | True data is correct, UPB considered from credit supplement report which is latest |
| 5250796281 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.66 | 13.70 | DTI confirmed from 1008 in file. |
| 5250796281 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 20.84 | 6.24 | DTI confirmed from 1008 in file. |
| 5250695579 |  | XX | XX | Borrower 2 Self-Employment Flag | employmentIncomePage | No | N | Borrower 2 Self-Employment Flag No. |
| 5250695579 |  | XX | XX | Borrower 1 Total Income | the1003Page | 4627.8 | 5461.13 | Borrower 1 Total Income considered from As income calculation as per Borrower provided data. |
| 5250695579 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan Program confirmed and Updated drop down . |
| 5250695579 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date considered from initial signature date. |
| 5250695579 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 1 Self-Employment Flag Yes. |
| 5250695579 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 79.88 | 80.00 | Qualifying CLTV rounding the Value. |
| 5250695579 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien Position 2 confirmed. |
| 5250695579 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.72 | 25.95 | Qualifying DTI $3353.02/8668.20= 37.72 |
| 5250695579 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 29.31 | 14.62 | Qualifying HTI $2,540.23/ $8668.20= 29.31 |
| 5250695597 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date updated as per initial 1003 |
| 5250695597 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Y | True data reflects borrower's self employment status |
| 5250695597 |  | XX | XX | Borrower 1 Total Income | the1003Page | 6887.97 | 13735.33 | True data reflects borrower's total qualifying income |
| 5250695597 |  | XX | XX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type updated as per appraisal |
| 5250695597 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.99 | 9.29 | Back end DTI is within 1% of DTI on 1008 |
| 5250695597 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 39.19 | 9.29 | Front end DTI is within 1% of DTI on 1008 |
| 5250695701 |  | XX | XX | Borrower 1 Total Income | the1003Page | 58333.33 | 59554.59 | Income calculated is correct and matching with income docs, 1003, 1008 |
| 5250695701 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 27.42 | 26.86 | Calculated HTI is correct and matching with 1008 |
| 5250695701 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.9 | 48.88 | Calculated DTI is correct and matching with 1008 |
| 5250694981 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | True data updated from per initial 1003 |
| 5250694981 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.6 | 19.31 | Back end DTI per audit is within 1% of the DTI on the 1008 provided |
| 5250694981 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 37.24 | 18.95 | Front end DTI per audit is within 1% of the DTI on the 1008 provided |
| 5250695348 |  | XX | XX | Borrower 2 Total Income | the1003Page | 8737.66 | 9166.00 | Confirmed from Final 1003, 1008 and WVOE. |
| 5250695348 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Updated from Initial 1003 |
| 5250695348 |  | XX | XX | Borrower 1 Total Income | the1003Page | 9443.2 | 9442.33 | Confirmed from Final 1003, 1008, Paystubs and Income worksheet |
| 5250695348 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.91 | 13.31 | True Data of 30.91 matches the 1008. |
| 5250695348 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 23.62 | 12.85 | True Data of 23.62 matches the 1008. |
| 5250695715 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Verified loan program is correct |
| 5250797943 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type is 2-4 Unit as per Appraisal, 1008 & 1003. |
| 5250797688 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed from #620 initial application. |
| 5250797688 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | B1 is self employed confirmed from ownership supporting documents. |
| 5250797688 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien position confirmed from 1003 and 1008. |
| 5250797688 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.32 | 30.74 | DTI confirmed and it is matching with considered 1008 #653 as 37.32 |
| 5250797688 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 24.59 | 18.02 | HTI confirmed and it is matching with considered 1008 #653 as 24.59 |
| 5250796381 |  | XX | XX | Borrower 1 Total Income | the1003Page | 15728.84 | 22467.00 | True Data Income of $15728.84 reflected on the Final 1003. |
| 5250796381 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Confirm with the Initial 1003 |
| 5250796381 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 69.15 | 21.41 | CLTV verified per the combined LA's / AV. |
| 5250796381 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 25.56 | 5.36 | True Data HTI aligns with the 1008. |
| 5250796381 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.18 | 8.91 | True Data DTI aligns with the 1008.  |
| 5250693985 |  | XX | XX | Property Zip Code | notePage | XXX | XXX | tape considered only last 4 digits, Property Zip Code. |
| 5250693985 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 45.15 | 49.99 |  |
| 5250693985 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.15 | 49.99 |  |
| 5250797351 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application date confirmed from initial application #669. |
| 5250797351 |  | XX | XX | Borrower 1 Total Income | the1003Page | 4704.9 | 4725.51 | Borrower 1 income confirmed from bank statement calculation and 1003, 1008. as $4704.90 |
| 5250797351 |  | XX | XX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | Y | Borrower 1 is self- employed verified from provided supporting ownership document. |
| 5250797351 |  | XX | XX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | Loan program has confirmed from lock confirmation. |
| 5250797351 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 26.56 | 23.40 | Qualified LTV is matching with considered 1008 page n #693 |
| 5250797351 |  | XX | XX | Lien Position | TitlePage | XXX | SecondLien | Lien position confirmed from 1003 and 1008. |
| 5250797351 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 45.77 | 48.95 | CLTV and HCLTV is captured and calculated with income of $4704.90 |
| 5250797351 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.77 | 48.95 | CLTV and HCLTV is captured and calculated with income of $4704.90 |
| 5250695776 |  | XX | XX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Confirmed from Appraisal |
| 5250695763 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.15 | 28.75 | Liabilities entered according to the GAP report. Hence there is variance. |
| 5250797693 |  | XX | XX | Qualifying CLTV | propertyValuationPage | 64.97 | 65.07 | Unpaid balance confirm with latest credit report. |
| 5250797464 |  | XX | XX | Application Date | complianceDetailPage | XXX | XXX | Application Date confirmed on Initial 1003. |
| 5250797551 |  | XX | XX | Property Type | propertyValuationPage | Townhouse | PUD | Property is PUD attached, Hence it is townhouse |
| 5250797551 |  | XX | XX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.72 | 38.97 | Few liabilities had closed, However given 1008 shows those liabilities were still included. This shows DTI variance. Meets GL |
| 5250797551 |  | XX | XX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 22.39 | 21.90 | xx paid at closing, client included liability in DTI |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **Moodys** |
| 5149814 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5149815 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5149817 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149835 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149818 |  |  | XXXX D | A | A | A D | A | A | A |
| 5149819 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149820 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149833 |  |  | XXXX D | A | A | A D | A | A | A |
| 5149821 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149829 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5149822 |  |  | XXXX D | A | A | A D | A | A | A |
| 5149823 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149832 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149825 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149826 |  |  | XXXX D A | C | C | C D A | A | A | A |
| 5149827 |  |  | XXXX D | A | A | A D | A | A | A |
| 4859252 |  |  | XXXX A C | A | A | A C B | A | A | A B |
| 4859257 |  |  | XXXX A C | N/A | N/A C | N/A C B | N/A | N/A C | N/A B C |
| 4859258 |  |  | XXXX D C | C | C | C D A B | A | A | A B |
| 4859267 |  |  | XXXX D C | D | D | D A B | A | A | A B |
| 4859273 |  |  | XXXX D C | D | D | D A B | A | A | A B |
| 4859274 |  |  | XXXX A C | D | D | D A B | A | A | A B |
| 5149834 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5149904 |  |  | XXXX D | N/A | N/A C | N/A D B | N/A | N/A C | N/A B C |
| 5149831 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5149908 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5149909 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5149994 |  |  | XXXX D C | A | A | A D B | A | A | A B |
| 5149914 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5516227 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5149911 |  |  | XXXX D | N/A | N/A C | N/A D B | N/A | N/A C | N/A B C |
| 5141369 |  |  | XXXX D | A | A | A D B | A | A | A B |
| 5141386 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5149828 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5141447 |  |  | XXXX D | A | A | A D | A | A | A |
| 5141401 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5141436 |  |  | XXXX D A | A | A | A D | A | A | A |
| 4986509 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5141404 |  |  | XXXX D C | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5141434 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5141429 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5141432 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5141437 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5141435 |  |  | XXXX D | A | A | A D | A | A | A |
| 5141397 |  |  | XXXX D | A | A | A D | A | A | A |
| 5141372 |  |  | XXXX A D | C | C | C D A | B | B | B |
| 5141396 |  |  | XXXX B C | A | A | A C | A | A | A |
| 5141377 |  |  | XXXX D A | A | A | A D | A | A | A |
| 4940930 |  |  | XXXX C D | A | A | A D | A | A | A |
| 5141438 |  |  | XXXX D A | C | C | C D A | A | A | A |
| 5141375 |  |  | XXXX D A | A | A | A D | A | A | A |
| 4985634 |  |  | XXXX D C | A | A | A D B | A | A | A B |
| 5141381 |  |  | XXXX C | A | A | A C | A | A | A |
| 5141400 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5141374 |  |  | XXXX C D | A | A | A D | A | A | A |
| 5141405 |  |  | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5141379 |  |  | XXXX A | A | A | A | A | A | A |
| 5141410 |  |  | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5141418 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5141371 |  |  | XXXX D C | N/A | N/A C | N/A D B | N/A | N/A C | N/A B C |
| 4984338 |  |  | XXXX C | A | A | A C B | A | A | A B |
| 5141442 |  |  | XXXX C A | D | D | D A | A | A | A |
| 5149942 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5141412 |  |  | XXXX A | A | A | A | A | A | A |
| 4986505 |  |  | XXXX D | A | A | A D | A | A | A |
| 5009033 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 4999133 |  |  | XXXX A | A | A | A | A | A | A |
| 4986205 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5009055 |  |  | XXXX D C | A | A | A D B | A | A | A B |
| 5009015 |  |  | XXXX D | C | C | C D A | A | A | A |
| 4986036 |  |  | XXXX A | A | A | A | A | A | A |
| 5003482 |  |  | XXXX A | A | A | A | A | A | A |
| 4986410 |  |  | XXXX A | A | A | A | A | A | A |
| 5010951 |  |  | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5003474 |  |  | XXXX D | A | A | A D | A | A | A |
| 5010935 |  |  | XXXX A | A | A | A | A | A | A |
| 5452508 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5452509 |  |  | XXXX D | A | A | A D | A | A | A |
| 5452506 |  |  | XXXX A | A | A | A | A | A | A |
| 5021528 |  |  | XXXX A | A | A | A | A | A | A |
| 5021449 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5453445 |  |  | XXXX A D | A | A | A D | A | A | A |
| 4998994 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5021475 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5453443 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5009053 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5010299 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5021527 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5471318 |  |  | XXXX A B | A | A | A B | A | A | A B |
| 4999115 |  |  | XXXX A | A | A | A | A | A | A |
| 5453450 |  |  | XXXX A D | N/A C | N/A C | N/A D | N/A | N/A C | N/A C |
| 5453456 |  |  | XXXX D A | N/A D | N/A D | N/A D | N/A | N/A C | N/A C |
| 5429478 |  |  | XXXX A | A | A | A | A | A | A |
| 5453449 |  |  | XXXX A | A | A | A | A | A | A |
| 5453459 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5008995 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5149947 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5429469 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5429509 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5429454 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5429472 |  |  | XXXX A | A | A | A | A | A | A |
| 5471324 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5471339 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5471322 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5501781 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5471328 |  |  | XXXX A | A | A | A | A | A | A |
| 5471344 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5501786 |  |  | XXXX A | N/A D | N/A D | N/A D | N/A | N/A C | N/A C |
| 5501787 |  |  | XXXX D | A | A | A D | A | A | A |
| 5471345 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5471346 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5471347 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5471348 |  |  | XXXX C D | N/A | N/A C | N/A D B | N/A | N/A C | N/A B C |
| 5471349 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5661488 |  |  | XXXX A | A | A | A | A | A | A |
| 5501789 |  |  | XXXX C | A | A | A C | A | A | A |
| 5471343 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5471359 |  |  | XXXX A | A | A | A | A | A | A |
| 5471335 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5501788 |  |  | XXXX D | A | A | A D | A | A | A |
| 5501807 |  |  | XXXX A | A | A | A | A | A | A |
| 5471340 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5516228 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5501790 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5661489 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5501809 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5501810 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5501811 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5501812 |  |  | XXXX D C | A | A | A D B | A | A | A B |
| 5501792 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5501872 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5501874 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5501875 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5501879 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5501883 |  |  | XXXX A | A | A | A | A | A | A |
| 5501878 |  |  | XXXX A | A | A | A | A | A | A |
| 5501876 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5501880 |  |  | XXXX A | A | A | A | A | A | A |
| 5501885 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5501884 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5501873 |  |  | XXXX A C | A | A | A C B | A | A | A B |
| 5501882 |  |  | XXXX A | A | A | A | A | A | A |
| 5501881 |  |  | XXXX A | A | A | A | A | A | A |
| 5501877 |  |  | XXXX D | A | A | A D | A | A | A |
| 5501858 |  |  | XXXX D | A | A | A D | A | A | A |
| 5501782 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5471342 |  |  | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5501865 |  |  | XXXX A | A | A | A | A | A | A |
| 5501800 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5516235 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5471360 |  |  | XXXX A | A | A | A | A | A | A |
| 5471354 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5501801 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5501844 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5516293 |  |  | XXXX A B | A | A | A B | A | A | A |
| 5501855 |  |  | XXXX A | A | A | A | A | A | A |
| 5501785 |  |  | XXXX D C | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5516230 |  |  | XXXX A | A | A | A | A | A | A |
| 5516234 |  |  | XXXX B A | N/A | N/A C | N/A B C | N/A | N/A C | N/A B C |
| 5501815 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5501850 |  |  | XXXX A | A | A | A | A | A | A |
| 5516229 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5501851 |  |  | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5516253 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916447 |  |  | XXXX A | A | A | A | A | A | A |
| 5516255 |  |  | XXXX D | A | A | A D | A | A | A |
| 5661487 |  |  | XXXX A D | N/A D | N/A D | N/A D | N/A | N/A C | N/A C |
| 5916448 |  |  | XXXX A | A | A | A | A | A | A |
| 5661490 |  |  | XXXX A | A | A | A | A | A | A |
| 5516258 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5516259 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5516260 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5516261 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5516262 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5661468 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916449 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5661460 |  |  | XXXX A | A | A | A | A | A | A |
| 5907052 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5516270 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854064 |  |  | XXXX C A | N/A | N/A C | N/A C B | N/A | N/A C | N/A B C |
| 5916450 |  |  | XXXX C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5516276 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5516277 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916451 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5916452 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5661453 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916453 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5940507 |  |  | XXXX A C | A | A | A C B | A | A | A B |
| 5916454 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5516283 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5516284 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5501846 |  |  | XXXX A | A | A | A | A | A | A |
| 5661538 |  |  | XXXX C | A | A | A C | A | A | A |
| 5661533 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5661535 |  |  | XXXX A | A | A | A | A | A | A |
| 5661540 |  |  | XXXX A | A | A | A | A | A | A |
| 5661525 |  |  | XXXX A | A | A | A | A | A | A |
| 5661536 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5661532 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5661531 |  |  | XXXX D C | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5661530 |  |  | XXXX C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5516311 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854031 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5854041 |  |  | XXXX D | A | A | A D | A | A | A |
| 5854053 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5516269 |  |  | XXXX A | A | A | A | A | A | A |
| 5661469 |  |  | XXXX A | A | A | A | A | A | A |
| 5907053 |  |  | XXXX B A | A | A | A B | A | A | A B |
| 5661446 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916437 |  |  | XXXX D C | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5661527 |  |  | XXXX A | A | A | A | A | A | A |
| 5501791 |  |  | XXXX A | A | A | A | A | A | A |
| 5661444 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854028 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5516298 |  |  | XXXX A | A | A | A | A | A | A |
| 5854044 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5916446 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5661534 |  |  | XXXX A | A | A | A | A | A | A |
| 5661502 |  |  | XXXX A | A | A | A | A | A | A |
| 5661443 |  |  | XXXX A | A | A | A | A | A | A |
| 5661500 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5854050 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5661459 |  |  | XXXX C A | N/A C | N/A C | N/A C | N/A | N/A C | N/A C |
| 5661451 |  |  | XXXX A | A | A | A | A | A | A |
| 5916441 |  |  | XXXX A | A | A | A | A | A | A |
| 5916445 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5854037 |  |  | XXXX D C | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5854049 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854043 |  |  | XXXX A | A | A | A | A | A | A |
| 5916442 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5661522 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916379 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5916440 |  |  | XXXX A | A | A | A | A | A | A |
| 5854033 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907056 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5854042 |  |  | XXXX D | A | A | A D | A | A | A |
| 5854046 |  |  | XXXX D | A | A | A D B | A | A | A B |
| 5854057 |  |  | XXXX D | A | A | A D | A | A | A |
| 5916391 |  |  | XXXX A | A | A | A | A | A | A |
| 5907059 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5916443 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916388 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5854030 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854032 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5854062 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5854036 |  |  | XXXX A | N/A D | N/A D | N/A D | N/A | N/A C | N/A C |
| 5854055 |  |  | XXXX C | A | A | A C | A | A | A |
| 5854060 |  |  | XXXX D | A | A | A D | A | A | A |
| 5916389 |  |  | XXXX C | A | A | A C | A | A | A |
| 5854058 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5854029 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907054 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854056 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916401 |  |  | XXXX D C | N/A | N/A C | N/A D B | N/A | N/A C | N/A B C |
| 5916374 |  |  | XXXX C D | A | A | A D B | A | A | A B |
| 5854038 |  |  | XXXX A | A | A | A | A | A | A |
| 5854034 |  |  | XXXX A | A | A | A | A | A | A |
| 5854008 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854052 |  |  | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854051 |  |  | XXXX A | A | A | A | A | A | A |
| 5916385 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5916382 |  |  | XXXX A | A | A | A | A | A | A |
| 5940510 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5916514 |  |  | XXXX A | A | A | A | A | A | A |
| 5916402 |  |  | XXXX C A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916373 |  |  | XXXX A | A | A | A | A | A | A |
| 5854045 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5854039 |  |  | XXXX A | A | A | A | A | A | A |
| 5916516 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916509 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5916476 |  |  | XXXX C | A | A | A C | A | A | A |
| 5940509 |  |  | XXXX C | A | A | A C B | A | A | A B |
| 5916506 |  |  | XXXX C A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916511 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5961457 |  |  | XXXX C D | A | A | A D B | A | A | A B |
| 5854035 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940517 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5916496 |  |  | XXXX C D | A | A | A D | A | A | A |
| 5916489 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5916444 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5916403 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5854063 |  |  | XXXX A | A | A | A | A | A | A |
| 5916513 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5854040 |  |  | XXXX A | A | A | A | A | A | A |
| 5854048 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916497 |  |  | XXXX A | A | A | A | A | A | A |
| 5907057 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916427 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5916409 |  |  | XXXX D | A | A | A D | A | A | A |
| 5916410 |  |  | XXXX D | N/A C | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916380 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5916407 |  |  | XXXX D A | N/A | N/A C | N/A D B | N/A | N/A C | N/A B C |
| 5916395 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5854059 |  |  | XXXX A | A | A | A | A | A | A |
| 5916396 |  |  | XXXX D | A | A | A D | A | A | A |
| 5916392 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5916387 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916376 |  |  | XXXX D | A | A | A D B | A | A | A B |
| 5916490 |  |  | XXXX A | A | A | A | A | A | A |
| 5940508 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916467 |  |  | XXXX A | A | A | A | A | A | A |
| 5916465 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5916464 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5916477 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916390 |  |  | XXXX A | A | A | A | A | A | A |
| 5916393 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5907055 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5854026 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916329 |  |  | XXXX C A | N/A B | N/A C | N/A C B | N/A B | N/A C | N/A B C |
| 5916375 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916463 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916399 |  |  | XXXX A | A | A | A | A | A | A |
| 5961459 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5916398 |  |  | XXXX C | A | A | A C B | A | A | A B |
| 5916504 |  |  | XXXX A | A | A | A | A | A | A |
| 5916394 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5916501 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916500 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916499 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916498 |  |  | XXXX C D | A | A | A D | A | A | A |
| 5916515 |  |  | XXXX D | A | A | A D | A | A | A |
| 5940520 |  |  | XXXX D | A | A | A D B | A | A | A B |
| 5916502 |  |  | XXXX D | A | A | A D | A | A | A |
| 5940521 |  |  | XXXX A C | A | A | A C B | A | A | A B |
| 5916488 |  |  | XXXX C D | A | A | A D | A | A | A |
| 5916491 |  |  | XXXX A | A | A | A | A | A | A |
| 5916493 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916494 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916495 |  |  | XXXX A | A | A | A | A | A | A |
| 5940522 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5940516 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5916456 |  |  | XXXX A | A | A | A | A | A | A |
| 5940511 |  |  | XXXX D | A | A | A D B | A | A | A B |
| 5916480 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916479 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916383 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5916404 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916400 |  |  | XXXX A | A | A | A | A | A | A |
| 5916486 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916378 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5916421 |  |  | XXXX A | A | A | A | A | A | A |
| 5916438 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5940470 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5940512 |  |  | XXXX D A | A | A | A D B | A | A | A B |
| 5961456 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916508 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916377 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5907058 |  |  | XXXX A | A | A | A | A | A | A |
| 5916512 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5916405 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5940523 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5940515 |  |  | XXXX D | A | A | A D | A | A | A |
| 5916507 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5940514 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5916487 |  |  | XXXX D | A | A | A D | A | A | A |
| 5961460 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5916462 |  |  | XXXX A | A | A | A | A | A | A |
| 5916386 |  |  | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916406 |  |  | XXXX A | A | A | A | A | A | A |
| 5916416 |  |  | XXXX A | A | A | A | A | A | A |
| 5916505 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940519 |  |  | XXXX C A | N/A | N/A C | N/A C B | N/A | N/A C | N/A B C |
| 5916461 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940518 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5916460 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916459 |  |  | XXXX A | A | A | A | A | A | A |
| 5916457 |  |  | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916455 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5916466 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916478 |  |  | XXXX A | A | A | A | A | A | A |
| 5940474 |  |  | XXXX D | N/A | N/A C | N/A D B | N/A | N/A C | N/A B C |
| 5916397 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916418 |  |  | XXXX A | A | A | A | A | A | A |
| 5916413 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5916411 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916510 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916415 |  |  | XXXX A | A | A | A | A | A | A |
| 5916414 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5961458 |  |  | XXXX C | A | A | A C | A | A | A |
| 5916412 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5916430 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5940478 |  |  | XXXX D | A | A | A D | A | A | A |
| 5916408 |  |  | XXXX C D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940495 |  |  | XXXX D | A | A | A D B | A | A | A B |
| 5916422 |  |  | XXXX D A | N/A C | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916424 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5916433 |  |  | XXXX A | A | A | A | A | A | A |
| 5916431 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916434 |  |  | XXXX D | A | A | A D | A | A | A |
| 5916423 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916384 |  |  | XXXX C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5916435 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5907075 |  |  | XXXX D | A | A | A D | A | A | A |
| 5916429 |  |  | XXXX A | A | A | A | A | A | A |
| 5916432 |  |  | XXXX A | A | A | A | A | A | A |
| 5916417 |  |  | XXXX A | A | A | A | A | A | A |
| 5916419 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916420 |  |  | XXXX C D | A | A | A D | A | A | A |
| 5916436 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5940483 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940489 |  |  | XXXX A | A | A | A | A | A | A |
| 5916425 |  |  | XXXX A | A | A | A | A | A | A |
| 5940513 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5940472 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5940481 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940493 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5907070 |  |  | XXXX A | A | A | A | A | A | A |
| 5940505 |  |  | XXXX A | A | A | A | A | A | A |
| 5907072 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907077 |  |  | XXXX C D | A | A | A D | A | A | A |
| 5907065 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5907102 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5916428 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907101 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5940482 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5940494 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940497 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5940500 |  |  | XXXX C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5940475 |  |  | XXXX A | A | A | A | A | A | A |
| 5940503 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5940491 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5907069 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5940502 |  |  | XXXX A | A | A | A | A | A | A |
| 5961451 |  |  | XXXX B A | B | B | B A | B | B | B |
| 5940499 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5940496 |  |  | XXXX A | A | A | A | A | A | A |
| 5907073 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940471 |  |  | XXXX C A | C | C | C A | B | B | B |
| 5961453 |  |  | XXXX D C | A | A | A D | A | A | A |
| 5940490 |  |  | XXXX D C | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907121 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907093 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5907085 |  |  | XXXX C D | A | A | A D | A | A | A |
| 5940506 |  |  | XXXX C D | A | A | A D B | A | A | A B |
| 5940476 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907062 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5907061 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5907099 |  |  | XXXX A | A | A | A | A | A | A |
| 5907113 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940501 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5907114 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5940487 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5940486 |  |  | XXXX A | A | A | A | A | A | A |
| 5907120 |  |  | XXXX C A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5961454 |  |  | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5940477 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5940480 |  |  | XXXX A | A | A | A | A | A | A |
| 5940488 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5961452 |  |  | XXXX A | A | A | A | A | A | A |
| 5907112 |  |  | XXXX A | A | A | A | A | A | A |
| 5907092 |  |  | XXXX A | A | A | A | A | A | A |
| 5961455 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5940473 |  |  | XXXX D A | A | A | A D | A | A | A |
| 5907060 |  |  | XXXX C A | A | A | A C B | A | A | A B |
| 5907071 |  |  | XXXX A C | A | A | A C | A | A | A |
| 5940492 |  |  | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 5907100 |  |  | XXXX D A | N/A C | N/A C | N/A D | N/A B | N/A C | N/A B C |
| 5907089 |  |  | XXXX A D | A | A | A D | A | A | A |
| 5940484 |  |  | XXXX C A | A | A | A C | A | A | A |
| 5907082 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907078 |  |  | XXXX C D | A | A | A D B | A | A | A B |
| 5907083 |  |  | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5961450 |  |  | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 5907074 |  |  | XXXX C A | A | A | A C | A | A | A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 5149814 |  |  | Closed | 2024-11-21 13:15 | 2024-12-06 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-THis is an investment subject, the housing ratio goes off the primary. - Seller-12/XX/2024 <br> Counter-From the total proposed monthly payment on the right side of the 1008. What is your calculation. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-How did you arrive at $XXXX? - Seller-12/XX/2024 <br> Counter-The primary housing expense ratio above the DTI. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-what's HTI? - Seller-11/XX/2024 <br> Open-The 1008 document is missing from the loan file. 1008 shows HTI of XXXX% whereas calculated HTI is $XXXX =XXXX%% provided updated 1008 with correct HTI details - Due Diligence Vendor-11/XX/2024 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/06/2024<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149815 |  |  | Closed | 2024-11-24 07:22 | 2025-01-30 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/24/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149815 |  |  | Closed | 2024-11-24 09:28 | 2024-12-05 18:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.744%) equals or exceeds the California HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.59%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 96, Rate lock date was entered correctly – see Pg#'s 241, An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure OR the LE's page as the page#244, 266, 267 and confirmation the appraisal was delivered to the borrower – see Pg#'s 179. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/XX/2024 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 96, Rate lock date was entered correctly – see Pg#'s 241, An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure OR the LE's page as the page#244, 266, 267 and confirmation the appraisal was delivered to the borrower – see Pg#'s 179. The loan meets HPML guidelines. - Due Diligence Vendor-11/XX/2024 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 96, Rate lock date was entered correctly – see Pg#'s 241, An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure OR the LE's page as the page#244, 266, 267 and confirmation the appraisal was delivered to the borrower – see Pg#'s 179. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/05/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on XXXX, Rate lock date was entered correctly – see XXXX, An interior and exterior appraisal was completed for this property – see XXXX, ECOA Appraisal Disclosure OR the LE's page as the XXXX and confirmation the appraisal was delivered to the borrower – see XXXX. The loan meets HPML guidelines. - Due Diligence Vendor-11/24/2024 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149815 |  |  | Closed | 2024-11-24 09:28 | 2024-12-05 18:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.744%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 96, Rate lock date was entered correctly – see Pg#'s 241, An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure OR the LE's page as the page#244, 266, 267 and confirmation the appraisal was delivered to the borrower – see Pg#'s , 179. The loan meets HPML guidelines. - Due Diligence Vendor-12/XX/2024 <br>Open-The loan's (11.742%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (11.744%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 96, Rate lock date was entered correctly – see Pg#'s 241, An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure OR the LE's page as the page#244, 266, 267 and confirmation the appraisal was delivered to the borrower – see Pg#'s , 179. The loan meets HPML guidelines. - Due Diligence Vendor-11/XX/2024 | Resolved-The loan's (11.744%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 96, Rate lock date was entered correctly – see Pg#'s 241, An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure OR the LE's page as the page#244, 266, 267 and confirmation the appraisal was delivered to the borrower – see Pg#'s , 179. The loan meets HPML guidelines. - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (11.744%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 96, Rate lock date was entered correctly – see Pg#'s 241, An interior and exterior appraisal was completed for this property – see pg#25, ECOA Appraisal Disclosure OR the LE's page as the page#244, 266, 267 and confirmation the appraisal was delivered to the borrower – see Pg#'s , 179. The loan meets HPML guidelines. - Due Diligence Vendor-11/24/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149817 |  |  | Closed | 2024-11-25 22:29 | 2024-12-09 21:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved with coc from XXXX - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-XXXX is the date of the CD. The change occurred prior to the CD. The change occurred on XXXX, disclosed on XXXX. - Seller-12/XX/2024 <br> Counter-COC date is incorrect, should be XXXX4 - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. I do not follow. The ICD (attached) show a BPC amount of XXXX0. This is the same amount that was listed on the COC LE dated XXXX, supported by the previously provided COC. - Seller-12/XX/2024 <br> Counter-The attached COC does not match up with the dates and fees on the Initial CD. The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Requesting a Change of Circumstance for the Loan Origination Fee that changed from the Final Loan Estimate to the Initial CD. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. 2. The Compensation changes was disclosed on the revised LE dated XXXX. This was due to the increase in the loan amt. - Seller-11/XX/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Requesting a Change of Circumstance for the Loan Origination Fee that changed from the Final Loan Estimate to the Initial CD. - Due Diligence Vendor-11/XX/2024 | Resolved-Resolved with coc from XXXX - Due Diligence Vendor-12/09/2024 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149817 |  |  | Closed | 2024-11-24 10:40 | 2024-12-03 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/24/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149817 |  |  | Closed | 2024-11-27 14:30 | 2024-12-03 16:30 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-end of report is XXXX, it's covered thru 10/28 - Seller-11/XX/2024 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The Undisclosed Debt Notification dated XXXX is not within 15 days of the Note date XXXX as per guidelines. Requesting updated Undisclosed Debt Notification document. - Due Diligence Vendor-11/XX/2024 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/03/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149817 |  |  | Closed | 2024-11-24 11:24 | 2024-12-09 21:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets HPML Requirements - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (11.187%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 69, Rate lock date was entered correctly – see Pg#'s 206, An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure OR the LE's page as the page# 232, 233 and confirmation the appraisal was delivered to the borrower – see Pg#'s 21, 23, 217. The loan meets HPML guidelines. - Due Diligence Vendor-11/XX/2024 | Resolved-Meets HPML Requirements - Due Diligence Vendor-12/09/2024 <br>Resolved-The loan's (11.187%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 69, Rate lock date was entered correctly – see Pg#'s 206, An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure OR the LE's page as the page# 232, 233 and confirmation the appraisal was delivered to the borrower – see Pg#'s 21, 23, 217. The loan meets HPML guidelines. - Due Diligence Vendor-11/24/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149835 |  |  | Closed | 2024-12-06 05:30 | 2024-12-11 17:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Open-XXXX XXXX Fee Added in Initial Closing Disclosure XXXX $10 need coc for the same . - Due Diligence Vendor-12/XX/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: XXXX. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/XX/2024 | Resolved- - Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149835 |  |  | Closed | 2024-12-06 04:30 | 2024-12-11 17:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/11/2024 <br>Ready for Review-Document Uploaded. - Seller-12/09/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/06/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149835 |  |  | Closed | 2024-12-06 05:56 | 2024-12-11 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Prior not year details uploaded. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-Required prior year note details for the second lien. - Due Diligence Vendor-12/XX/2024 | Resolved-Prior not year details uploaded. - Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149835 |  |  | Closed | 2024-12-06 05:30 | 2024-12-11 17:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (10.965%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 337 An interior and exterior appraisal was completed for this property – see pg#28, ECOA Appraisal Disclosure provided on page 25,134, and The copy of appraisal sent to borrower confirmation page #359,358. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 | Resolved-. - Due Diligence Vendor-12/11/2024 <br>Resolved-The loan's (10.965%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 337 An interior and exterior appraisal was completed for this property – see pg#28, ECOA Appraisal Disclosure provided on page 25,134, and The copy of appraisal sent to borrower confirmation page #359,358. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/06/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149818 |  |  | Closed | 2024-11-25 05:56 | 2024-12-05 17:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Counter- - Due Diligence Vendor-12/XX/2024 <br> Counter-The attached COC is for the change on the Loan Estimates. The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Fee increased from Revised Loan Estimate XXXX XXXX to initial Closing Disclosure XXXX need coc for the same . - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Fee increased from Revised Loan Estimate XXXX to initial Closing Disclosure XXXX need coc for the same . - Due Diligence Vendor-11/XX/2024 | Resolved- - Due Diligence Vendor-12/05/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149818 |  |  | Closed | 2024-11-25 12:15 | 2024-12-05 17:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Counter-There is an error and the attached document will not open. Please resend the updated Final 1003. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-The Final 1003 is Missing Years in industry (not provided) is less than years in current job. provided updated 1003 with line of work details. - Due Diligence Vendor-11/XX/2024 | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/05/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149818 |  |  | Closed | 2024-11-25 05:56 | 2024-12-03 16:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased form Revised Loan Estimate XXXX amount of XXXX to Revised Loan Estimate XXXX0, need coc for the same . - Due Diligence Vendor-11/XX/2024 | Resolved- - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149818 |  |  | Closed | 2024-11-25 07:52 | 2024-11-27 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/25/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149818 |  |  | Closed | 2024-11-25 05:56 | 2024-12-05 17:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.15%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.04%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-11/XX/2024 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/05/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.04%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/03/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/03/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-11/25/2024 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149818 |  |  | Closed | 2024-11-25 05:56 | 2024-12-05 17:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (9.65%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (9.65%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (9.65%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (9.65%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-11/XX/2024 | Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (9.65%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (9.65%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/03/2024 <br>Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (9.65%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved.<br> - Due Diligence Vendor-12/03/2024 <br>Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (9.65%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 239 An interior and exterior appraisal was completed for this property – see pg#32, ECOA Appraisal Disclosure provided on page 23. The copy of appraisal sent to borrower confirmation page 269,268 . The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-11/25/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149819 |  |  | Closed | 2024-11-25 10:46 | 2024-12-10 16:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Counter-Correct COC is not attached. COC needed for Decreasing in lender credits from XXXX initial CD to XXXX in Final CD, without valid change of circumstances. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Counter-COC needed for Decreasing in lender credits from $505.50 initial CD to $355.50 in Final CD, without valid change of circumstances. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($506.00). The Last CD shows a total lender credit amount of ($355.50). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Decreasing in lender credits from $505.50 initial CD to $355.50 in revised CD, without valid change of circumstances<br> - Due Diligence Vendor-11/XX/2024 | Resolved- - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149819 |  |  | Closed | 2024-11-25 10:46 | 2024-12-10 16:44 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-. - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 208, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines. - Due Diligence Vendor-12/XX/2024 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . - Due Diligence Vendor-12/XX/2024 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 208, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-what do we need below? - Seller-11/XX/2024 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 208, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines. - Due Diligence Vendor-11/XX/2024 | Resolved-. - Due Diligence Vendor-12/10/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 208, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines. - Due Diligence Vendor-12/03/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 208, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/03/2024 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149819 |  |  | Closed | 2024-11-25 10:46 | 2024-12-03 15:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Reinspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Appraisal Re-Inspection fee 0f $175 has been added in Initial CD, without a valid change of circumstances.<br> - Due Diligence Vendor-11/XX/2024 | Resolved- - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149819 |  |  | Closed | 2024-11-25 05:15 | 2024-11-27 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/25/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149819 |  |  | Closed | 2024-11-25 10:46 | 2024-12-10 16:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (9.85%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 <br>Open-The loan's (9.85%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-12/XX/2024 <br>Open-The loan's (9.847%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (9.85%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/XX/2024 | Resolved-. - Due Diligence Vendor-12/10/2024 <br>Resolved-The loan's (9.85%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/03/2024 <br>Resolved-The loan's (9.85%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 84, Rate lock date was entered correctly – see Pg#'s 209 An interior and exterior appraisal was completed for this property – see pg#16, ECOA Appraisal Disclosure OR the LE's page as the page#67, 197, 273 and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/25/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149820 |  |  | Closed | 2024-11-22 11:45 | 2024-12-03 17:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/03/2024 <br>Ready for Review-Document Uploaded. - Seller-11/27/2024 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/22/2024 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149820 |  |  | Closed | 2024-11-22 11:45 | 2024-12-03 17:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-11/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-11/XX/2024 | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-11/26/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149820 |  |  | Closed | 2024-11-25 09:41 | 2024-12-03 17:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Post Close CD updated to review. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Counter-The Appraisal fee increased from the Initial CD to the Final CD. Requesting to provide the Change of Circumstance. - Due Diligence Vendor-11/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Increased Appraisal fee by $45 in PCCD, as Change in lender credit or decrease in lender credit by $45 which was adjusted in Final CD. Hence required COC for Appraisal fee increment or reducing lender credits on PCCD. - Due Diligence Vendor-11/XX/2024 | Resolved-Post Close CD updated to review. - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149820 |  |  | Closed | 2024-11-25 09:41 | 2024-12-03 17:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Post Close CD updated to review. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Counter-The Change of Circumstance attached is for the Initial CD. The Lender Credits on PCCD is decreased by $45. Requesting to provide a Change of Circumstance. - Due Diligence Vendor-11/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits on PCCD is decreased by $45, without a Valid change of circumstances. - Due Diligence Vendor-11/XX/2024 | Resolved-Post Close CD updated to review. - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149820 |  |  | Closed | 2024-11-22 11:58 | 2024-11-27 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit added. - Due Diligence Vendor-11/XX/2024 <br>Counter-Requesting Borrower 1 Gap Credit Report is it is Missing from file. The attached document is an undisclosed debt document. - Due Diligence Vendor-11/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/XX/2024 | Resolved-Gap Credit added. - Due Diligence Vendor-11/27/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149820 |  |  | Closed | 2024-11-22 12:59 | 2024-12-03 17:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.134%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 79, Rate lock date was entered correctly – see Pg#'s 219 An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure OR the LE's page as the page#16, 17, 245, 246 and confirmation the appraisal was delivered to the borrower – see Pg#'s 63. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (11.134%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 79, Rate lock date was entered correctly – see Pg#'s 219 An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure OR the LE's page as the page#16, 17, 245, 246 and confirmation the appraisal was delivered to the borrower – see Pg#'s 63. The loan meets HPML guidelines. - Due Diligence Vendor-11/XX/2024 | Resolved-The loan's (11.134%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 79, Rate lock date was entered correctly – see Pg#'s 219 An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure OR the LE's page as the page#16, 17, 245, 246 and confirmation the appraisal was delivered to the borrower – see Pg#'s 63. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/03/2024 <br>Resolved-The loan's (11.134%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.Final Closing disclosure on Pg#'s 79, Rate lock date was entered correctly – see Pg#'s 219 An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure OR the LE's page as the page#16, 17, 245, 246 and confirmation the appraisal was delivered to the borrower – see Pg#'s 63. The loan meets HPML guidelines. - Due Diligence Vendor-11/22/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149820 |  |  | Closed | 2024-11-22 12:59 | 2024-12-03 17:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 79, Rate lock date was entered correctly – see Pg#'s 219 An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure OR the LE's page as the page#16, 17, 245, 246 and confirmation the appraisal was delivered to the borrower – see Pg#'s 63. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 79, Rate lock date was entered correctly – see Pg#'s 219 An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure OR the LE's page as the page#16, 17, 245, 246 and confirmation the appraisal was delivered to the borrower – see Pg#'s 63. The loan meets HPML guidelines. - Due Diligence Vendor-11/XX/2024 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 79, Rate lock date was entered correctly – see Pg#'s 219 An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure OR the LE's page as the page#16, 17, 245, 246 and confirmation the appraisal was delivered to the borrower – see Pg#'s 63. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/03/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 79, Rate lock date was entered correctly – see Pg#'s 219 An interior and exterior appraisal was completed for this property – see pg#19, ECOA Appraisal Disclosure OR the LE's page as the page#16, 17, 245, 246 and confirmation the appraisal was delivered to the borrower – see Pg#'s 63. The loan meets HPML guidelines. - Due Diligence Vendor-11/22/2024 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149833 |  |  | Closed | 2024-11-25 12:35 | 2024-12-30 16:57 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Doc is missing. | Resolved-The personal guaranty is provided. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Counter-The personal guaranty attached is signed by business entity, not individual. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-Provide Guarantor document as its missing in file. - Due Diligence Vendor-11/XX/2024 | Resolved-The personal guaranty is provided. - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149833 |  |  | Closed | 2024-11-25 08:56 | 2024-12-30 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-12/XX/2024 <br>Resolved-Business License and LOE for Designated Signee provided. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-Entity Formation Doc Indicator is Missing. Provide Entity formation document as is missing in file. - Due Diligence Vendor-11/XX/2024 | Resolved-Validation Resolved' - Due Diligence Vendor-12/30/2024 <br>Resolved-Business License and LOE for Designated Signee provided. - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149833 |  |  | Closed | 2024-11-25 08:25 | 2024-12-09 16:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Counter-Document is corrupted, please re-attach - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Open-The Final 1003 is Missing Provide updated 1003 as the line of work for the business Insurance Agent is 0.16 year and start date is XXXX 5.19 year which is higher than line of work. <br> - Due Diligence Vendor-11/XX/2024 | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/09/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149833 |  |  | Closed | 2024-11-25 09:48 | 2024-11-27 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report as is missing in file. - Due Diligence Vendor-11/25/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149821 |  |  | Closed | 2024-11-25 21:00 | 2024-12-05 17:55 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD received and entered in system. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Counter-The attached PCCD is marked "Preview". Requesting to provide a final PCCD. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-The Closing Disclosures in file have a Broker Credit listed in the payoff section of the Final and Post Close Closing Disclosure. Requesting to provide updated PCCD with Broker Credit listed in correct section. - Due Diligence Vendor-11/XX/2024 | Resolved-PCCD received and entered in system. - Due Diligence Vendor-12/05/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149821 |  |  | Closed | 2024-11-25 21:24 | 2024-12-05 17:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-Borrower 1 YTD Profit & Loss Missing The Profit and Loss documents in file states "No assurance is provided on this financial statement." Requesting updated Profit and Loss statements. - Due Diligence Vendor-11/XX/2024 | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-12/05/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149821 |  |  | Closed | 2024-11-24 06:05 | 2024-12-10 16:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 72, Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure OR the LE's page as the page#260,259, 224 and confirmation the appraisal was delivered to the borrower in findings.<br> - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 72, Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure OR the LE's page as the page#260,259, 224 and confirmation the appraisal was delivered to the borrower is missing. <br> - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.175%) equals or exceeds the California HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.12%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-11/XX/2024 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 72, Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure OR the LE's page as the page#260,259, 224 and confirmation the appraisal was delivered to the borrower in findings.<br> - Due Diligence Vendor-12/10/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-11/24/2024 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149821 |  |  | Closed | 2024-11-24 06:05 | 2024-12-10 16:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.175%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 72, Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure OR the LE's page as the page#260,259, 224 and confirmation the appraisal was delivered to the borrower in findings. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-The loan's (10.175%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 72, Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure OR the LE's page as the page#260,259, 224 and confirmation the appraisal was delivered to the borrower is missing<br> - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (10.175%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-11/XX/2024 | Resolved-The loan's (10.175%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 72, Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure OR the LE's page as the page#260,259, 224 and confirmation the appraisal was delivered to the borrower in findings. - Due Diligence Vendor-12/10/2024 <br>Resolved-The loan's (10.175%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-11/24/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149829 |  |  | Closed | 2024-12-05 10:43 | 2024-12-10 06:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/XX/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-The Final 1003 is Missing provide updated final 1003 with mailing address, subject property is Investment property, mailing address should reflect current address. - Due Diligence Vendor-12/XX/2024 | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/10/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149822 |  |  | Closed | 2024-11-25 02:43 | 2024-12-10 16:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD uploaded. Showing Disbursement date of XXXX. Resolved. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Counter-This initial CD is not resolving the issue as per the final CD the disbursement date was XXXX. The notary date is XXXX which is after the disbursement date. Need a PCCD - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Open-TRID: Missing Closing Disclosure Provide PCCD as the notary date is after the disbursement date. - Due Diligence Vendor-11/XX/2024 | Resolved-PCCD uploaded. Showing Disbursement date of XXXX. Resolved. - Due Diligence Vendor-12/10/2024 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149822 |  |  | Closed | 2024-11-20 08:52 | 2024-11-27 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report as its missing in file. - Due Diligence Vendor-11/20/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149823 |  |  | Closed | 2024-11-22 13:59 | 2024-12-03 07:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/XX/2024 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-Missing Hazard Insurance Policy Monthly Premium on HOI policy is missing. - Due Diligence Vendor-11/XX/2024 | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/03/2024 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149823 |  |  | Closed | 2024-11-22 10:24 | 2024-12-02 16:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Decrease in lender credits from Initial LE XXXX to revised LE XXXX, without a valid change of circumstances. - Due Diligence Vendor-11/XX/2024 | Resolved-Resolved - Due Diligence Vendor-12/02/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149823 |  |  | Closed | 2024-11-22 09:03 | 2024-11-27 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit uploaded. - Due Diligence Vendor-11/XX/2024 <br>Counter-Requesting Borrower 1 Gap Credit Report is it is Missing from file. The attached document is an undisclosed debt document. - Due Diligence Vendor-11/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/XX/2024 | Resolved-Gap Credit uploaded. - Due Diligence Vendor-11/27/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149832 |  |  | Closed | 2024-12-05 04:08 | 2024-12-13 13:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. Attached is the COC issued on XXXX – the loan amount changed again which caused the discount points to increase those few cents, to $367.54. - Seller-12/XX/2024 <br> Open-Looks like Discount fee increased by $0.43 on initial cd and then increased again on revised CD causing another fail. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Fee Added in Revised Loan Estimate $364 need coc for the same. - Due Diligence Vendor-12/XX/2024 | Resolved- - Due Diligence Vendor-12/13/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149832 |  |  | Closed | 2024-12-05 04:08 | 2024-12-11 13:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($937.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased form Loan Estimate XXXX amount of XXXX to Revised Loan Estimate XXXX $0, need coc for the same. - Due Diligence Vendor-12/XX/2024 | Resolved- - Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149832 |  |  | Closed | 2024-12-05 03:30 | 2024-12-11 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/11/2024 <br>Ready for Review-Document Uploaded. - Seller-12/09/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/05/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149832 |  |  | Closed | 2024-12-05 04:08 | 2024-12-13 13:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-12/XX/2024 <br>Resolved-. - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (11.262%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 301 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,18 and The copy of appraisal sent to borrower confirmation page #131,332,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 | Resolved-. - Due Diligence Vendor-12/13/2024 <br>Resolved-. - Due Diligence Vendor-12/11/2024 <br>Resolved-The loan's (11.262%) APR equals or exceeds the Federal HPML threshold of (10.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 301 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,18 and The copy of appraisal sent to borrower confirmation page #131,332,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/05/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149832 |  |  | Closed | 2024-12-05 04:08 | 2024-12-13 13:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-. - Due Diligence Vendor-12/XX/2024 <br> Resolved-. - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.15%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.04%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 301 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,18 and The copy of appraisal sent to borrower confirmation page #131,332,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 | Resolved-. - Due Diligence Vendor-12/13/2024 <br> Resolved-. - Due Diligence Vendor-12/11/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 301 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,18 and The copy of appraisal sent to borrower confirmation page #131,332,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/05/2024 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149825 |  |  | Closed | 2024-11-25 08:49 | 2024-12-05 20:03 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)). This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17. The copy of appraisal sent to borrower is missing.<br> - Due Diligence Vendor-11/XX/2024 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/05/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)). This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/02/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The comparable APOR for this loan is (6.04%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/02/2024 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149825 |  |  | Closed | 2024-11-25 08:49 | 2024-12-05 20:02 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (9.661%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) . This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower – attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 <br>Open-The loan's (9.661%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (9.664%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)). his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower – attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 <br>Open-The loan's (9.664%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (9.661%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower – attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-The loan's (9.661%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17. The copy of appraisal sent to borrower is missing - Due Diligence Vendor-11/XX/2024 | Resolved-The loan's (9.661%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) . This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower – attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (9.664%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)). his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower – attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/02/2024 <br>Resolved-The loan's (9.661%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg#21, ECOA Appraisal Disclosure provided on page 16,17, and confirmation the appraisal was delivered to the borrower – attached to this finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/02/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149825 |  |  | Closed | 2024-11-25 21:24 | 2024-12-02 15:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC for increase in loan discount fee from $195 on the initial LE to $1,170 on the initial CD. - Due Diligence Vendor-11/XX/2024 | Resolved- - Due Diligence Vendor-12/02/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149825 |  |  | Closed | 2024-11-25 07:26 | 2024-11-27 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report as its missing in file. - Due Diligence Vendor-11/25/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149826 |  |  | Closed | 2024-11-25 10:40 | 2024-12-03 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/03/2024 <br>Ready for Review-Document Uploaded. - Seller-11/27/2024 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/25/2024 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149826 |  |  | Closed | 2024-11-25 20:30 | 2024-12-03 15:26 | Resolved | 1 - Information C A | Credit | Doc Issue | HEI: Missing 1st Mortgage Statement | Resolved-First mortgage statement received, new loan. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-Missing mortgage statement with new 1st lien with XXXX - Due Diligence Vendor-11/XX/2024 | Resolved-First mortgage statement received, new loan. - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149826 |  |  | Closed | 2024-11-23 11:04 | 2024-12-03 15:23 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-HOA amount corrected on appraisal. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. The HOA statement shows $199.50 per month. The updated appraisal shows $200 per month since it had to be rounded up. - Seller-12/XX/2024 <br>Open-Monthly HOA on Appraisal is showing $250 per month, were as Final CD, 1008 and HOA Certificate on pg#413 is showing $199.50. Hence required clarification on the same. - Due Diligence Vendor-11/XX/2024 | Resolved-HOA amount corrected on appraisal. - Due Diligence Vendor-12/03/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149826 |  |  | Closed | 2024-11-23 09:58 | 2024-11-27 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/23/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149826 |  |  | Closed | 2024-11-23 09:58 | 2024-11-27 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/XX/2024 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-11/XX/2024 | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149826 |  |  | Closed | 2024-11-23 10:53 | 2024-12-06 22:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 209, Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg#30, ECOA Appraisal Disclosure OR the LE's page as the page#28, 189, 548, 549and confirmation the appraisal was delivered to the borrower – see Pg#'s 269. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/XX/2024 <br> Open-. - Due Diligence Vendor-12/XX/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 209, Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg#30, ECOA Appraisal Disclosure OR the LE's page as the page#28, 189, 548, 549and confirmation the appraisal was delivered to the borrower – see Pg#'s 269. The loan meets HPML guidelines. - Due Diligence Vendor-11/XX/2024 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 209, Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg#30, ECOA Appraisal Disclosure OR the LE's page as the page#28, 189, 548, 549and confirmation the appraisal was delivered to the borrower – see Pg#'s 269. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/06/2024 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 209, Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg#30, ECOA Appraisal Disclosure OR the LE's page as the page#28, 189, 548, 549and confirmation the appraisal was delivered to the borrower – see Pg#'s 269. The loan meets HPML guidelines. - Due Diligence Vendor-11/23/2024 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149826 |  |  | Closed | 2024-11-23 10:53 | 2024-12-06 22:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.784%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 209, Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg#30, ECOA Appraisal Disclosure OR the LE's page as the page#28, 189, 548, 549and confirmation the appraisal was delivered to the borrower – see Pg#'s 269. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (11.784%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 209, Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg#30, ECOA Appraisal Disclosure OR the LE's page as the page#28, 189, 548, 549and confirmation the appraisal was delivered to the borrower – see Pg#'s 269. The loan meets HPML guidelines. - Due Diligence Vendor-11/XX/2024 | Resolved-The loan's (11.784%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 209, Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg#30, ECOA Appraisal Disclosure OR the LE's page as the page#28, 189, 548, 549and confirmation the appraisal was delivered to the borrower – see Pg#'s 269. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/06/2024 <br>Resolved-The loan's (11.784%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 209, Rate lock date was entered correctly – see Pg#'s 446 An interior and exterior appraisal was completed for this property – see pg#30, ECOA Appraisal Disclosure OR the LE's page as the page#28, 189, 548, 549and confirmation the appraisal was delivered to the borrower – see Pg#'s 269. The loan meets HPML guidelines. - Due Diligence Vendor-11/23/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149827 |  |  | Closed | 2024-11-25 07:45 | 2024-12-06 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/XX/2024 <br> Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Counter-1008 has not been corrected. Provide updated 1008 on primary residence with correct P&I. Per provided 1008 P&I is $XXXX whereas as per final 1003 page XXXX, Credit report page 171 and mortgage statement page XXXX P&I is $XXXX difference is $XXXX. Also need income for B2 broken out as all income is showing for B1. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 on primary residence with correct P&I. Per 1008-page XXXX P&I is $XXXX whereas as per final 1003 page XXXX, CBR page XXXX and mortgage statement page XXXX P&I is $XXXX difference is $XXXX. Also need income for B2 broken out as all income is showing for B1. - Due Diligence Vendor-11/XX/2024 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/06/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149827 |  |  | Closed | 2024-11-25 05:36 | 2024-12-06 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-the attached should suffice - Seller-12/XX/2024 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/XX/2024 <br> Resolved-VOE for B1 business XXXX received. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE as is missing in file for B1 business Loud Neighbor. - Due Diligence Vendor-11/XX/2024 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/06/2024 <br> Resolved-VOE for B1 business XXXX received. - Due Diligence Vendor-12/02/2024 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149827 |  |  | Closed | 2024-11-25 07:24 | 2024-12-02 15:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide COC for lender credit as the lender credit is decreased from $3000 in Initial LE page 298 to $2250 in Final CD page 109. - Due Diligence Vendor-11/XX/2024 | Resolved-Resolved - Due Diligence Vendor-12/02/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149827 |  |  | Closed | 2024-11-25 23:35 | 2024-11-27 13:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note | Resolved-Using current mortgage statement in file for 1st lien. - Due Diligence Vendor-11/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2024 <br>Open-Missing copy of Note for 1st lien. - Due Diligence Vendor-11/XX/2024 | Resolved-Using current mortgage statement in file for 1st lien. - Due Diligence Vendor-11/27/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149827 |  |  | Closed | 2024-11-25 05:53 | 2024-11-27 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024 <br>Ready for Review-Document Uploaded. - Seller-11/26/2024 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report as is missing in file. - Due Diligence Vendor-11/25/2024 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149827 |  |  | Closed | 2024-11-25 05:53 | 2024-11-27 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/XX/2024 <br>Open-Borrower 2 Gap Credit Report is Missing Provide Gap credit report as is missing in file. - Due Diligence Vendor-11/XX/2024 | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/27/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859252 |  |  | Closed | 2024-12-02 06:17 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br> Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX state only allows "a Loan Origination Fee, Loan Discount, or Commitment Fee, whereas Final CD document reflecting Section A "Processing fees. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859252 |  |  | Closed | 2024-12-02 06:17 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-Under the XXXX, a lender may not charge a "loan origination fee" exceeding 4% of the first $20,000 and 2% thereafter of the remaining loan amount. XXXX. XXXXstate only allows "a Loan Origination Fee, Loan Discount, or Commitment Fee, whereas Final CD document reflecting Section A "Processing fees. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859252 |  |  | Closed | 2024-12-02 06:17 | 2024-12-04 21:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.96%) APR equals or exceeds the Federal HPML threshold of (10.5%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.0%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#211,205, An interior and exterior appraisal was completed for this property – see pg#10, Final CD is on page #262 the appraisal disclosure was provided to the borrower pg. #7 and copy of the appraisal was given to the borrower – see Pg#80,239. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/XX/2024 | Resolved-The loan's (11.96%) APR equals or exceeds the Federal HPML threshold of (10.5%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.0%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#211,205, An interior and exterior appraisal was completed for this property – see pg#10, Final CD is on page #262 the appraisal disclosure was provided to the borrower pg. #7 and copy of the appraisal was given to the borrower – see Pg#80,239. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/02/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859257 |  |  | Closed | 2025-01-16 14:16 | 2025-02-27 20:55 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's.<br> - Due Diligence Vendor-02/XX/2025 <br>Acknowledged- - Due Diligence Vendor-02/XX/2025 <br>Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's.<br> - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-This was indemnified against. - Seller-01/XX/2025 <br>Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX. - Due Diligence Vendor-01/XX/2025 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's.<br> - Due Diligence Vendor-02/27/2025 <br>Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's.<br> - Due Diligence Vendor-01/31/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859257 |  |  | Closed | 2024-12-03 06:08 | 2025-02-27 20:53 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged- - Due Diligence Vendor-02/XX/2025 <br>Acknowledged-Confirmed - Due Diligence Vendor-02/XX/2025 <br>Acknowledged- - Due Diligence Vendor-01/XX/2025 <br>Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-Under the XXXX, a lender may not charge a "loan origination fee" exceeding 4% of the first $20,000 and 2% thereafter of the remaining loan amount. XXXX. XXXXstate only allows "a Loan Origination Fee, Loan Discount, or Commitment Fee, whereas Final CD document reflecting Section A "Processing fees. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed - Due Diligence Vendor-02/27/2025 <br>Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859257 |  |  | Closed | 2024-12-04 22:23 | 2025-01-16 14:16 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Processing Fee paid to lender. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-American Mortgage collected the Processing fee. Not a third party. - Seller-01/XX/2025 <br>Open-There are ($395.00) of fees paid to a third-party provider disclosed under Section A "Origination Charges". Under Regulation Z, charges included under the subheading "Origination Charges" on the Loan Estimate and Closing Disclosure are those charges paid to the creditor and the mortgage broker (if applicable) for originating and extending the credit. (12 CFR 1026.37(f)(1); 12 CFR 1026.38(f)(1)) - Due Diligence Vendor-12/XX/2024 | Resolved-Processing Fee paid to lender. - Due Diligence Vendor-01/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859257 |  |  | Closed | 2024-12-03 06:08 | 2025-02-27 20:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets HPML Req - Due Diligence Vendor-02/XX/2025 <br>Resolved-The loan's (14.819%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#248,244, An interior and exterior appraisal was completed for this property – see pg#16, Final CD is on page #61 the appraisal disclosure was provided to the borrower pg. #55 and copy of the appraisal was given to the borrower – see Pg#80,278. The loan meets HPML guidelines.<br> - Due Diligence Vendor-01/XX/2025 <br>Resolved-The loan's (14.819%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#248,244, An interior and exterior appraisal was completed for this property – see pg#16, Final CD is on page #61 the appraisal disclosure was provided to the borrower pg. #55 and copy of the appraisal was given to the borrower – see Pg#80,278. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/XX/2024 | Resolved-Meets HPML Req - Due Diligence Vendor-02/27/2025 <br>Resolved-The loan's (14.819%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#248,244, An interior and exterior appraisal was completed for this property – see pg#16, Final CD is on page #61 the appraisal disclosure was provided to the borrower pg. #55 and copy of the appraisal was given to the borrower – see Pg#80,278. The loan meets HPML guidelines.<br> - Due Diligence Vendor-01/16/2025 <br>Resolved-The loan's (14.819%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#248,244, An interior and exterior appraisal was completed for this property – see pg#16, Final CD is on page #61 the appraisal disclosure was provided to the borrower pg. #55 and copy of the appraisal was given to the borrower – see Pg#80,278. The loan meets HPML guidelines.<br> - Due Diligence Vendor-12/03/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859258 |  |  | Closed | 2024-12-03 13:40 | 2025-01-16 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Final 1008 attached. - Seller-01/XX/2025 <br> Open-The 1008 document is missing from the loan file. 1. First mortgage P&I on 1008 is showing $XXXX, whereas recent mortgage statement and Credit report showing $XXXX (Excluding Taxes and Insurance).<br> 2.Calculated CLTV is = Amount of other lien $XXXX, whereas 1008 is showing XXXX% as CLTV <br> 3.Risk Assessment on 1008 is showing Manual Underwriting, AUS and other marked as Portfolio Fixed - Approved - Due Diligence Vendor-12/XX/2024 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859258 |  |  | Closed | 2024-12-04 22:28 | 2025-01-16 16:32 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-2nd valuation uploaded. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. XXXX SSR attached. - Seller-01/14/2025 <br> Open- - Due Diligence Vendor-12/04/2024 | Resolved-2nd valuation uploaded. - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859258 |  |  | Closed | 2024-12-03 12:00 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859258 |  |  | Closed | 2024-12-03 12:00 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-Under the XXXX, a lender may not charge a "loan origination fee" exceeding 4% of the first $20,000 and 2% thereafter of the remaining loan amount. XXXX. All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859258 |  |  | Closed | 2024-12-03 12:00 | 2024-12-05 18:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.758%) APR equals or exceeds the Federal HPML threshold of (10.36%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.86%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (12.809%) APR equals or exceeds the Federal HPML threshold of (10.36%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.86%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 390, Rate lock date was entered correctly – see Pg#'s 343, 170, An interior and exterior appraisal was completed for this property – see pg#6, ECOA Appraisal Disclosure OR the LE's page as the page#5, 376 and confirmation the appraisal was delivered to the borrower – see Pg#'s 221. The loan meets HPML guideline - Due Diligence Vendor-12/XX/2024 | Resolved-The loan's (12.758%) APR equals or exceeds the Federal HPML threshold of (10.36%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.86%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (12.809%) APR equals or exceeds the Federal HPML threshold of (10.36%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.86%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 390, Rate lock date was entered correctly – see Pg#'s 343, 170, An interior and exterior appraisal was completed for this property – see pg#6, ECOA Appraisal Disclosure OR the LE's page as the page#5, 376 and confirmation the appraisal was delivered to the borrower – see Pg#'s 221. The loan meets HPML guideline - Due Diligence Vendor-12/03/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859267 |  |  | Closed | 2024-12-04 12:08 | 2025-01-30 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. 3rd party verification of business attached, borrower is a licensed appraisal for many years. - Seller-01/XX/2025 <br> Counter-Need verification that borrower is employed at time of closing per FNMA GL. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Funding VOE not required per guidelines. - Seller-01/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing License lookup page on #XXXX as no last verified date to confirm the document is within 10 days of closing. - Due Diligence Vendor-12/XX/2024 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859267 |  |  | Closed | 2024-12-04 06:06 | 2025-01-16 15:50 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. XXXX SSR Attached. - Seller-01/XX/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Missing Secondary Valuation or Additional Valuation - Due Diligence Vendor-12/XX/2024 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859267 |  |  | Closed | 2024-12-04 12:26 | 2025-01-15 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/XX/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. 1008 Update - Seller-01/XX/2025 <br> Open-The 1008 document is missing from the loan file. Calculated CLTV is Amount of other lien $XXXX Current Lien /$XXXX Property value\*100 = XXXX% CLTV, whereas 1008 is showingXXXX% of CLTV - Due Diligence Vendor-12/XX/2024 | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/15/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859267 |  |  | Closed | 2024-12-04 06:59 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859267 |  |  | Closed | 2024-12-04 06:59 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-Under the XXXX, a lender may not charge a "loan origination fee" exceeding 4% of the first $20,000 and 2% thereafter of the remaining loan amount. XXXX. All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859267 |  |  | Closed | 2024-12-04 06:59 | 2024-12-05 19:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (12.761%) APR equals or exceeds the Federal HPML threshold of (9.93%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 360, Rate lock date was entered correctly – see Pg#'s 332 An interior and exterior appraisal was completed for this property – see pg#6, ECOA Appraisal Disclosure OR the LE's page as the page#5, 353 and confirmation the appraisal was delivered to the borrower – see Pg#'s164. The loan meets HPML guidelines. - Due Diligence Vendor-12/XX/2024 | Resolved-. - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (12.761%) APR equals or exceeds the Federal HPML threshold of (9.93%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 360, Rate lock date was entered correctly – see Pg#'s 332 An interior and exterior appraisal was completed for this property – see pg#6, ECOA Appraisal Disclosure OR the LE's page as the page#5, 353 and confirmation the appraisal was delivered to the borrower – see Pg#'s164. The loan meets HPML guidelines. - Due Diligence Vendor-12/04/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859273 |  |  | Closed | 2024-12-04 11:22 | 2025-01-30 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br>Counter-Per FNMA GL, Calculator is required. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Not required per guidelines. - Seller-01/XX/2025 <br>Open-Missing Lender Income Calculation Worksheet - Due Diligence Vendor-12/XX/2024 | Resolved-Validation Resolved' - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859273 |  |  | Closed | 2024-12-04 11:26 | 2025-01-30 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-XXXX - Seller-01/XX/2025 <br> Counter-Need proof of employment per GL. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Funding VOE not required per guidelines. - Seller-01/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/XX/2024 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/30/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859273 |  |  | Closed | 2024-12-04 11:26 | 2025-01-30 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-XXXX - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-01/XX/2025 <br> Counter-Need proof of employment per GL. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Funding VOE not required per guidelines. - Seller-01/XX/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/XX/2024 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/30/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859273 |  |  | Closed | 2024-12-04 22:11 | 2025-01-16 17:35 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-2nd valuation uploaded. Resolved. - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. XXXX SSR Attached. - Seller-01/14/2025 <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations 2nd valuation required for securitizations. - Due Diligence Vendor-12/04/2024 | Resolved-2nd valuation uploaded. Resolved. - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859273 |  |  | Closed | 2024-12-04 11:24 | 2025-01-16 17:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Deleted child support income. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Delete child support income,, DTI still under XXXX, and the XXXX income is supported by prior years W2s. - Seller-01/XX/2025 <br> Open-Missing income documentation for Child support - XXXX & Seasonal Income - XXXX . - Due Diligence Vendor-12/XX/2024 | Resolved-Deleted child support income. - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859273 |  |  | Closed | 2024-12-04 08:52 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859273 |  |  | Closed | 2024-12-04 08:52 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-Under the XXXX, a lender may not charge a "loan origination fee" exceeding 4% of the first $20,000 and 2% thereafter of the remaining loan amount. XXXX. All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859273 |  |  | Closed | 2024-12-04 08:52 | 2024-12-05 18:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (14.343%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 223 An interior and exterior appraisal was completed for this property – see pg#12,ECOA Appraisal Disclosure provided on page 248. The copy of appraisal sent to borrower confirmation page 9. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-12/XX/2024 | Resolved-. - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (14.343%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(iii)) The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 223 An interior and exterior appraisal was completed for this property – see pg#12,ECOA Appraisal Disclosure provided on page 248. The copy of appraisal sent to borrower confirmation page 9. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-12/04/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859274 |  |  | Closed | 2024-12-04 09:33 | 2025-01-16 15:52 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. XXXX SSR Attached. - Seller-01/XX/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Missing Secondary Valuation or Additional Valuation - Due Diligence Vendor-12/XX/2024 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4859274 |  |  | Closed | 2024-12-04 10:37 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859274 |  |  | Closed | 2024-12-04 10:37 | 2024-12-17 23:25 | Acknowledged | 2 - Non-Material C B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/XX/2024 <br>Open-Under the XXXX, a lender may not charge a "loan origination fee" exceeding 4% of the first $20,000 and 2% thereafter of the remaining loan amount. XXXX. All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-12/XX/2024 | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXX are originator level issues so there should not be any direct assignee liability/penalties associated with the XXXXAPL's. - Due Diligence Vendor-12/17/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 4859274 |  |  | Closed | 2024-12-04 10:37 | 2024-12-05 19:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (13.512%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 295, Rate lock date was entered correctly – see Pg#'s 238 An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE's page as the page#51, 277 and confirmation the appraisal was delivered to the borrower – see Pg#'s 73. The loan meets HPML guidelines. - Due Diligence Vendor-12/XX/2024 | Resolved-. - Due Diligence Vendor-12/05/2024 <br>Resolved-The loan's (13.512%) APR equals or exceeds the Federal HPML threshold of (9.62%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 295, Rate lock date was entered correctly – see Pg#'s 238 An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE's page as the page#51, 277 and confirmation the appraisal was delivered to the borrower – see Pg#'s 73. The loan meets HPML guidelines. - Due Diligence Vendor-12/04/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149834 |  |  | Closed | 2024-12-06 07:50 | 2024-12-11 15:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased form Initial Closing Disclosure XXXX amount of $427.50 to Final Closing Disclosure XXXX amount $412.50, need coc for the same. - Due Diligence Vendor-12/XX/2024 | Resolved-Resolved - Due Diligence Vendor-12/11/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149904 |  |  | Closed | 2024-12-08 08:35 | 2025-01-21 22:43 | Resolved | 1 - Information C A | Compliance | Mavent | HigherPriced: APR | Resolved-Resolved - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-We have a Mavent pass for "Higher Priced" in the eFolder so this loan shouldn't be HPML. Can you advise where you are seeing that it is HPML – if not HPML, we shouldn't need a 2nd appraisal.<br>- Seller-01/XX/2025 <br> Open-Comment - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. We have a XXXX pass for "Higher Priced" in the eFolder so this loan shouldn't be HPML. Can you advise where you are seeing that it is HPML – if not HPML, we shouldn't need a 2nd appraisal. - Buyer-01/XX/2025 <br> Counter-Federal regulations cannot be overruled with guidelines, please provide clarification for the HPML status and condition of this loan. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review- On XXXX cashout refinance we only require the XXXX property assessment. We do not need an appraisal on this. Please see the below wholesale guidelines for this loan program. <br>15.9.2 APPRAISAL REPORT REQUIREMENTS<br> For loan amounts ≤ $400,000, one of the following appraisal options is required:<br> • AVM from an approved provider with forecast standard deviation (FSD) score ≤ .10 and confidence<br> rating of ≥ 90%.<br> o All AVMs must include property condition report or comparable report.<br> o If the AVM does not provide the required FSD score or confidence rating, the AVM is<br> considered ineligible, and an Exterior-Only or Full Interior Appraisal is required.<br> o AVMs are not allowed on condo or townhome transactions.<br> • XXXX Ext Appraisal Report<br> • Exterior-Only Inspection Residential Appraisal Report (XXXX Form 2055 or 1075)<br> • Full Interior Appraisal (XXXX Form 1004, 1073, or 1025)<br> A Full Interior Appraisal is required for:<br> • Higher-Price Mortgage (HPML) loans<br> • For loan amounts > $400,000 <br> - Seller-01/XX/2025 <br> Open-Per guidelines, HPML loans require a full interior appraisal. Loan file contained an AVM. - Due Diligence Vendor-01/XX/2025 <br> Resolved-Requirements of HPML have been met - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. There are no impounds for taxes and insurance because as documented above, there are already impounds in the Sr lien payment. We originated a Junior Lien. - Seller-01/XX/2025 <br> Open-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) Borrower is not escrowing. - Due Diligence Vendor-12/XX/2024 | Resolved-Resolved - Due Diligence Vendor-01/21/2025 <br>Resolved-Requirements of HPML have been met - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149904 |  |  | Closed | 2024-12-08 08:35 | 2025-01-21 22:43 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-We have a Mavent pass for "Higher Priced" in the eFolder so this loan shouldn't be HPML. Can you advise where you are seeing that it is HPML – if not HPML, we shouldn't need a 2nd appraisal.<br>- Seller-01/XX/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) HPML loan - Due Diligence Vendor-01/XX/2025 <br> Open-Comment - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. We have a Mavent pass for "Higher Priced" in the eFolder so this loan shouldn't be HPML. Can you advise where you are seeing that it is HPML – if not HPML, we shouldn't need a 2nd appraisal. - Seller-01/XX/2025 <br> Counter-Federal regulations cannot be overruled with guidelines, please provide clarification for the HPML status and condition of this loan. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review- On Equity Advantage cashout refinance we only require the AVM property assessment. We do not need an appraisal on this. Please see the below wholesale guidelines for this loan program<br> 15.9.2 APPRAISAL REPORT REQUIREMENTS<br> For loan amounts ≤ $400,000, one of the following appraisal options is required:<br> • AVM from an approved provider with forecast standard deviation (FSD) score ≤ .10 and confidence<br> rating of ≥ 90%.<br> o All AVMs must include property condition report or comparable report.<br> o If the AVM does not provide the required FSD score or confidence rating, the AVM is<br> considered ineligible, and an Exterior-Only or Full Interior Appraisal is required.<br> o AVMs are not allowed on condo or townhome transactions.<br> • iQuant Ext Appraisal Report<br> • Exterior-Only Inspection Residential Appraisal Report (FNMA Form 2055 or 1075)<br> • Full Interior Appraisal (FNMA Form 1004, 1073, or 1025)<br> A Full Interior Appraisal is required for:<br> • Higher-Price Mortgage (HPML) loans<br> • For loan amounts > $400,000<br> - Buyer-01/XX/2025 <br> Open-Per guidelines, HPML loans require a full interior appraisal. Loan file contained an AVM. - Due Diligence Vendor-01/XX/2025 <br> Resolved-Requirements of HPML have been met - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. It seems like they are using the APOR for first liens to calculate HPML, but the Compliance report below confirmed we were not HPML on the day of closing using the APOR for Junior Liens. No appraisal was required. - Buyer-01/XX/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(12 CFR 1026.35(a)(1)(i)) Appraisal valuation is missing in file. - Due Diligence Vendor-12/XX/2024 | Resolved-Resolved - Due Diligence Vendor-01/21/2025 <br>Resolved-Requirements of HPML have been met - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149904 |  |  | Closed | 2024-12-08 08:35 | 2025-01-21 22:43 | Resolved | 1 - Information C A | Compliance | Mavent | HigherPriced: APR | Resolved-Resolved - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-We have a XXXX pass for "Higher Priced" in the eFolder so this loan shouldn't be HPML. Can you advise where you are seeing that it is HPML – if not HPML, we shouldn't need a 2nd appraisal.<br>- Seller-01/XX/2025 <br> Open-Comment - 2nd lien is not escrowed - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. We have a XXXX pass for "Higher Priced" in the eFolder so this loan shouldn't be HPML. Can you advise where you are seeing that it is HPML – if not HPML, we shouldn't need a 2nd appraisal. - Buyer-01/XX/2025 <br> Counter-Federal regulations cannot be overruled with guidelines, please provide clarification for the HPML status and condition of this loan. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review- On XXXX cashout refinance we only require the AVM property assessment. We do not need an appraisal on this. Please see the below wholesale guidelines for this loan program<br> 15.9.2 APPRAISAL REPORT REQUIREMENTS<br> For loan amounts ≤ $400,000, one of the following appraisal options is required:<br> • AVM from an approved provider with forecast standard deviation (FSD) score ≤ .10 and confidence<br> rating of ≥ 90%.<br> o All AVMs must include property condition report or comparable report.<br> o If the AVM does not provide the required FSD score or confidence rating, the AVM is<br> considered ineligible, and an Exterior-Only or Full Interior Appraisal is required.<br> o AVMs are not allowed on condo or townhome transactions.<br> • iQuant Ext Appraisal Report<br> • Exterior-Only Inspection Residential Appraisal Report (FNMA Form 2055 or 1075)<br> • Full Interior Appraisal (XXXX Form 1004, 1073, or 1025)<br> A Full Interior Appraisal is required for:<br> • Higher-Price Mortgage (HPML) loans<br> • For loan amounts > $400,000<br> - Seller-01/XX/2025 <br> Open-Per guidelines, HPML loans require a full interior appraisal. Loan file contained an AVM. - Due Diligence Vendor-01/XX/2025 <br> Resolved-Requirements of HPML have been met - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. There are no taxes or insurance listed because they are escrowed in the first mortgage, Sr Lien. The 1st lender is escrowing a greater amount that what is broken out from the hazard policy and tax cert so the UW used that for worst case. - Buyer-01/XX/2025 <br> Open-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) Appraisal valuation is missing in file. - Due Diligence Vendor-12/XX/2024 | Resolved-Resolved - Due Diligence Vendor-01/21/2025 <br>Resolved-Requirements of HPML have been met - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149904 |  |  | Closed | 2025-01-06 22:49 | 2025-01-13 18:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Please see the attached final CD - Seller-01/XX/2025 <br>Open-TRID: Missing Closing Disclosure Please provide a corrected Final CD. - Due Diligence Vendor-01/XX/2025 | Resolved-Final CD provided - Due Diligence Vendor-01/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149904 |  |  | Closed | 2024-12-08 08:55 | 2025-01-07 14:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Not required per Lender - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. An escrow waiver is not a federal requirement. It's not necessarily the escrow waiver that's an issue on this loan. It's the CD; the CD is incomplete, see below highlights. - Seller-01/XX/2025 <br>Open-Escrow waiver is missing in file. - Due Diligence Vendor-12/XX/2024 | Resolved-Not required per Lender - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149904 |  |  | Closed | 2024-12-08 08:57 | 2024-12-30 06:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income calculation worksheet provided. - Due Diligence Vendor-12/XX/2024 <br>Resolved-Validation Resolved' - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br>Open-Lender income calculation worksheet is missing in file. - Due Diligence Vendor-12/XX/2024 | Resolved-Lender income calculation worksheet provided. - Due Diligence Vendor-12/30/2024 <br>Resolved-Validation Resolved' - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149904 |  |  | Closed | 2024-12-08 07:43 | 2024-12-16 16:12 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Exception provided for missing Gap Report - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. Please see the exception - Seller-12/XX/2024 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/XX/2024 | Waived-Exception provided for missing Gap Report - Due Diligence Vendor-12/16/2024<br>| XXXX |  | Compensating Factors:<br> Reserves of XXXX months where 6 months is the requirement<br> LTV of 70% where 75% is the requirement<br> XXXX FICO score where 700 is the requirement | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5149831 |  |  | Closed | 2024-12-11 19:20 | 2024-12-26 21:47 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Per Guidelines author and email attestation uploaded end date not required - per pdi Property is free and clear of damage - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Counter-Upon review Guidelines do not address open Disaster areas. PDI after end date required - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-all that is required is inspection, we do not have to wait until disaster declaration end date. p 22 of guide - Seller-12/XX/2024 <br> Counter-Inspection date XXXX declaration end date for Level 3 we will need a a PDI after the end date of XXXX - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Seller-12/XX/2024 <br> Open-Property potentially affected by FEMA Disaster. XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-12/XX/2024 | Resolved-Per Guidelines author and email attestation uploaded end date not required - per pdi Property is free and clear of damage - Due Diligence Vendor-12/26/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149831 |  |  | Closed | 2024-12-10 11:04 | 2024-12-10 11:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception is on page XXXX approved for lower loan amount so long as it passes points and fees - Due Diligence Vendor-12/XX/2024 | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception is on page XXXX approved for lower loan amount so long as it passes points and fees - Due Diligence Vendor-12/10/2024 |  |  | 1. Credit Score is XXXX. Minimum required per guidelines is 720.<br> 2. DTI is 39.38%. Maximum allowed per guidelines is 50%. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5149831 |  |  | Closed | 2024-12-10 09:30 | 2024-12-10 09:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.572%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s 282 An interior and exterior appraisal was completed for this property – see pg#21, Appraisal Disclosure provided on page 18,131,319,320, and the copy of appraisal sent to borrower confirmation page #139,173. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/XX/2024 | Resolved-The loan's (12.572%) APR equals or exceeds the Federal HPML threshold of (9.6%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg.'s 282 An interior and exterior appraisal was completed for this property – see pg#21, Appraisal Disclosure provided on page 18,131,319,320, and the copy of appraisal sent to borrower confirmation page #139,173. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/10/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149908 |  |  | Closed | 2024-12-11 11:16 | 2024-12-17 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM in fraud report is within 10 days of closing date, Verified & entered in system - Resolved - Due Diligence Vendor-12/XX/2024 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. Monitoring on fraud report - Buyer-12/XX/2024 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/XX/2024 | Resolved-UDM in fraud report is within 10 days of closing date, Verified & entered in system - Resolved - Due Diligence Vendor-12/17/2024 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/17/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149908 |  |  | Closed | 2024-12-11 13:08 | 2024-12-11 13:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.464%) APR equals or exceeds the Federal HPML threshold of (10.28%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 369, Rate lock date was entered correctly – see Pg#'s 671 An interior and exterior appraisal was completed for this property – see pg#33,7, ECOA Appraisal Disclosure OR the LE's page as the page#361,362 and confirmation the appraisal was delivered to the borrower – see Pg#'s 457, 462 . The loan meets HPML guidelines. - Due Diligence Vendor-12/XX/2024 | Resolved-The loan's (10.464%) APR equals or exceeds the Federal HPML threshold of (10.28%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s 369, Rate lock date was entered correctly – see Pg#'s 671 An interior and exterior appraisal was completed for this property – see pg#33,7, ECOA Appraisal Disclosure OR the LE's page as the page#361,362 and confirmation the appraisal was delivered to the borrower – see Pg#'s 457, 462 . The loan meets HPML guidelines. - Due Diligence Vendor-12/11/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149909 |  |  | Closed | 2024-12-13 15:22 | 2024-12-30 14:10 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Final Closing disclosure on Pg#'s 61, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- Findings and confirmation the appraisal was delivered to the borrower – see Pg#'50. - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-12/XX/2024 <br>Open-The loan's (10.449%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) \*\*\*Right to receive copy of appraisal document missing in file that was delivered 3 business days before consummation<br>This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Final Closing disclosure on Pg#'s 61, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#' missing<br> and confirmation the appraisal was delivered to the borrower – see Pg#'50. - Due Diligence Vendor-12/XX/2024 | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Final Closing disclosure on Pg#'s 61, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 227 An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- Findings and confirmation the appraisal was delivered to the borrower – see Pg#'50. - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149909 |  |  | Closed | 2024-12-13 14:50 | 2024-12-30 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-12/XX/2024 <br> Open-The 1008 document is missing from the loan file. 1) 2nd lien loan LTV same as CLTV, calculated LTV is XXXX%<br> - Due Diligence Vendor-12/XX/2024 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/30/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149994 |  |  | Closed | 2024-12-17 06:39 | 2025-01-22 13:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Exception provided - Due Diligence Vendor-01/XX/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. CLTV approved exception uploaded.<br>XXXX agrees with exception approved by XXXX.<br>- Buyer-01/XX/2025 <br> Open-open - Due Diligence Vendor-01/XX/2025 <br> Rescinded-Audited CLTV of 85.14% exceeds Guideline CLTV of 80% Audited LTV Exceeds Guideline LTV Audited LTV of 85.14% exceeds Guideline Max of 80%. Duplicate - Due Diligence Vendor-12/XX/2024 | Waived-Exception provided - Due Diligence Vendor-01/22/2025 <br>Rescinded-Audited CLTV of 85.14% exceeds Guideline CLTV of 80% Audited LTV Exceeds Guideline LTV Audited LTV of 85.14% exceeds Guideline Max of 80%. Duplicate - Due Diligence Vendor-12/17/2024<br>| XXXX |  | DTI is 40%. Maximum allowed per guidelines is 45%.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $1500. <br> Borrower Housing History is 0X30, 33 months. Housing History required per guidelines is 0X30, 24 months. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5149994 |  |  | Closed | 2024-12-17 05:04 | 2025-01-08 22:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. Document Uploaded. SEE GL 15.10.3 Title Insurance. This title binder is sufficient as the loan amount is less than $XXXX - Seller-12/XX/2024 <br> Open-Title Document is missing - Due Diligence Vendor-12/XX/2024 | Resolved-Title Document is fully Present - Due Diligence Vendor-12/23/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149994 |  |  | Closed | 2024-12-17 08:29 | 2025-01-08 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved- - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. XXXX Statement uploaded for review - Seller-01/06/2025 <br> Open-Lien Position is Second Mortgage previews note missing in file provide preview note or dot. - Due Diligence Vendor-12/17/2024 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149994 |  |  | Closed | 2024-12-17 08:23 | 2024-12-23 15:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived- - Due Diligence Vendor-12/XX/2024 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception. Comp. Factors 14% HDTI/18% DTI, 0x30 mtg history. - Seller-12/XX/2024 <br> Open-Audited CLTV Exceeds Guideline CLTV Lowest mid score used for Fico method per guidelines, Fico score of XXXX for Cash out Max CLTV is 70% - Due Diligence Vendor-12/XX/2024 |  |  |  | DTI is 40.45%. Maximum allowed per guidelines is 50%.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $1500. <br> Borrower Housing History is 0X30, 33 months. Housing History required per guidelines is 0X30, 24 months. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5149994 |  |  | Closed | 2024-12-17 07:26 | 2024-12-23 15:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Escrow waiver is not required - Due Diligence Vendor-12/XX/2024 <br>Ready for Review-Document Uploaded. Appraisal Notice uploaded for review. - Buyer-12/XX/2024 <br>Open-The loan's (11.624%) APR equals or exceeds the Federal HPML threshold of (10.28%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(iii)) Escrow waiver is missing in file<br>This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'133<br> Rate lock date was entered correctly – see Pg#'s 495-495<br> An interior and exterior appraisal was completed for this property – see pg#90, <br> ECOA Appraisal Disclosure OR the LE's page as the page#488.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 77.<br> - Due Diligence Vendor-12/XX/2024 | Resolved-Escrow waiver is not required - Due Diligence Vendor-12/23/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149914 |  |  | Closed | 2024-12-17 09:13 | 2024-12-31 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-SEE GL 15.10.3 Title Insurance. This is sufficient as the loan amount is less than $XXXX - Buyer-12/XX/2024 <br> Counter-Property Report/Title Search provided. Guidelines require evidence of Title Insurance covering the total of the subject lien for loans < $XXXX. - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. Document Uploaded. SEE GL 15.10.3 Title Insurance. This title binder is sufficient as the loan amount is less than $XXXX - Seller-12/XX/2024 <br> Open-Title Document is missing The Title Document is missing. - Due Diligence Vendor-12/XX/2024 | Resolved-Title Document is fully Present - Due Diligence Vendor-12/31/2024<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149914 |  |  | Closed | 2024-12-17 14:11 | 2024-12-31 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statement received. XXXX on page 620 - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. Mortgage Statement uploaded for review. - Seller-12/XX/2024 <br> Open-1st Lien note, mortgage statement and DOT is missing in the file - Due Diligence Vendor-12/XX/2024 | Resolved-Mortgage Statement received. XXXX on page 620 - Due Diligence Vendor-12/31/2024 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149914 |  |  | Closed | 2024-12-17 14:38 | 2024-12-20 23:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Waived by Lender post-close. - Due Diligence Vendor-12/XX/2024 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception. Comp Factors: 12% HDTI / 31% DTI, 0x30 mtg history - Buyer-12/XX/2024 <br> Open-Audited CLTV of 84.5% exceeds Guideline CLTV of 70% The Audited CLTV of 84.5% exceeds Guideline CLTV of 70%. FICO is XXXX - per matrix, FICO of XXXX has a max 70% LTV for Cash Out. - Due Diligence Vendor-12/XX/2024 | Waived-Waived by Lender post-close. - Due Diligence Vendor-12/20/2024<br>|  |  | 12.7 months reserves from borrower's own funds greater than 3 months required<br> 31% DTI lower than 50% maximum<br> 0x30x24 greater than 0x30x12 required | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 5149914 |  |  | Closed | 2024-12-18 23:04 | 2024-12-31 15:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.437%) APR equals or exceeds the Federal HPML threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(iii)) The Equity Advantage 2nd liens are not being escrowed. An interior and exterior appraisal was completed for this property – see page 81, the appraisal disclosure was provided to the borrower(s)- see page 835-836, Notice About Appraisal Of Your Property is on p 877, Appraisal Acknowledgement is on p 111, and a copy of the appraisal was given to the borrower – see page 113. Resolved. - Due Diligence Vendor-12/XX/2024 <br>Resolved-The loan's (11.437%) APR equals or exceeds the Federal HPML threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(iii)) The Equity Advantage 2nd liens are not being escrowed. An interior and exterior appraisal was completed for this property – see page 81, the appraisal disclosure was provided to the borrower(s)- see page 835-836, Notice About Appraisal Of Your Property is on p 877, Appraisal Acknowledgement is on p 111, and a copy of the appraisal was given to the borrower – see page 113. Resolved. - Due Diligence Vendor-12/XX/2024 | Resolved-The loan's (11.437%) APR equals or exceeds the Federal HPML threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(iii)) The Equity Advantage 2nd liens are not being escrowed. An interior and exterior appraisal was completed for this property – see page 81, the appraisal disclosure was provided to the borrower(s)- see page 835-836, Notice About Appraisal Of Your Property is on p 877, Appraisal Acknowledgement is on p 111, and a copy of the appraisal was given to the borrower – see page 113. Resolved. - Due Diligence Vendor-12/31/2024 <br>Resolved-The loan's (11.437%) APR equals or exceeds the Federal HPML threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(iii)) The Equity Advantage 2nd liens are not being escrowed. An interior and exterior appraisal was completed for this property – see page 81, the appraisal disclosure was provided to the borrower(s)- see page 835-836, Notice About Appraisal Of Your Property is on p 877, Appraisal Acknowledgement is on p 111, and a copy of the appraisal was given to the borrower – see page 113. Resolved. - Due Diligence Vendor-12/18/2024<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516227 |  |  | Closed | 2024-12-24 18:32 | 2025-01-09 21:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/07/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/24/2024 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516227 |  |  | Closed | 2024-12-20 11:05 | 2024-12-30 07:32 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/XX/2024 <br> Ready for Review-Document Uploaded. - Buyer-12/XX/2024 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX - Due Diligence Vendor-12/XX/2024 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/30/2024 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149911 |  |  | Closed | 2024-12-23 09:51 | 2025-01-16 13:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Document provided - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-01/XX/2025 <br>Counter-Lien position does not affect Right of Rescission for a Primary Residence. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br>Open-Right of Rescission is Missing Right to cancel is missing in file. - Due Diligence Vendor-12/XX/2024 | Resolved-Document provided - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5149911 |  |  | Closed | 2024-12-23 09:39 | 2025-01-08 14:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD received and accepted. Unable to test compliance without Right of Rescission, additional conditions may arise once testing is performed. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. - Due Diligence Vendor-12/XX/2024 | Resolved-Initial CD received and accepted. Unable to test compliance without Right of Rescission, additional conditions may arise once testing is performed. - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5149911 |  |  | Closed | 2024-12-23 23:38 | 2025-01-06 21:50 | Acknowledged | 2 - Non-Material B | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-PDI not required when individual assistance is no - Buyer-01/XX/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required.<br> - Due Diligence Vendor-12/XX/2024 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-01/06/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | Investor Post-Close | No |
| XXXX | 5149911 |  |  | Closed | 2024-12-23 08:23 | 2025-01-03 09:42 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Updated Flood Insurance uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/XX/2025 <br> Resolved-Flood Insurance Expiration Date of XXXX is equal to or after the Note Date of XXXX Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br> Open-Flood Insurance Expiration Date of XXXX is prior to the Note Date of XXXX Provided Flood policy is expired required new renewal policy which covers note date. - Due Diligence Vendor-12/XX/2024 | Resolved-Updated Flood Insurance uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/03/2025 <br> Resolved-Flood Insurance Expiration Date of XXXX is equal to or after the Note Date of XXXX Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-01/03/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5149911 |  |  | Closed | 2024-12-23 07:46 | 2025-01-03 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE is missing - Due Diligence Vendor-12/XX/2024 | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5149911 |  |  | Closed | 2025-01-16 13:48 | 2025-01-16 13:48 | Resolved | 1 - Information A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Post-close XXXX issued by lender to resolve condition - Due Diligence Vendor-01/XX/2025 | Resolved-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Post-close RTC issued by lender to resolve condition - Due Diligence Vendor-01/16/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5141369 |  |  | Closed | 2024-12-30 18:21 | 2025-01-03 15:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Per lender DOT is not required. Note for 1st lien provided dated XXXX - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. DOT not required note uploaded - Buyer-12/XX/2024 <br> Open-DOT from XXXX is missing from the file. - Due Diligence Vendor-12/XX/2024 | Resolved-Per lender DOT is not required. Note for 1st lien provided dated XXXX - Due Diligence Vendor-01/03/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141369 |  |  | Closed | 2024-12-30 18:22 | 2025-01-03 15:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/02/2025 <br>Open-Missing VOE dated w/in 10 business days of closing. - Due Diligence Vendor-12/30/2024 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141369 |  |  | Closed | 2024-12-30 18:26 | 2025-01-03 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Self employed business Narrative provided. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-Per guidelines a Self Employed business narrative is required. - Due Diligence Vendor-12/XX/2024 | Resolved-Self employed business Narrative provided. - Due Diligence Vendor-01/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141369 |  |  | Closed | 2024-12-24 03:02 | 2025-01-02 17:23 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Lender agrees, EV2. - Due Diligence Vendor-01/02/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Acknowledged; please downgrade to a Non-Material Grade 2 - Seller-12/31/2024 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-12/24/2024 | Acknowledged-Lender agrees, EV2. - Due Diligence Vendor-01/02/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 5141386 |  |  | Closed | 2025-01-02 04:48 | 2025-01-08 21:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. VOEs uploaded for review. - Buyer-01/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 business days of closing for " XXXX" and 'XXXX'<br> - Due Diligence Vendor-01/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149828 |  |  | Closed | 2025-01-03 09:53 | 2025-01-13 17:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($275.00) were applied to the total fee variance of ($287.50) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($275.00) were applied to the total fee variance of ($562.50) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br>Counter-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($275.00) were applied to the total fee variance of ($562.50) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance.<br> - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($275.00) were applied to the total fee variance of ($4,025.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Origination Fee, Loan Points Fee, and Appraisal Fee have increased from the initial Closing Disclosure to the Final Closing Disclosure. Need COC for the same . - Due Diligence Vendor-01/XX/2025 | Resolved- - Due Diligence Vendor-01/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149828 |  |  | Closed | 2025-01-03 09:53 | 2025-01-13 17:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.253%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 323 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure provided on page 17, and The copy of appraisal sent to borrower confirmation page #369,370. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-01/XX/2025 <br>Resolved-The loan's (10.253%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 323 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure provided on page 17, and The copy of appraisal sent to borrower confirmation page #369,370. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/XX/2025 | Resolved-The loan's (10.253%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 323 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure provided on page 17, and The copy of appraisal sent to borrower confirmation page #369,370. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-01/08/2025 <br>Resolved-The loan's (10.253%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 323 An interior and exterior appraisal was completed for this property – see pg#24, ECOA Appraisal Disclosure provided on page 17, and The copy of appraisal sent to borrower confirmation page #369,370. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141447 |  |  | Closed | 2025-01-15 13:10 | 2025-01-22 13:22 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. HOC provided to borrower on XXXX - Seller-01/XX/2025 <br> Open-The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141447 |  |  | Closed | 2025-01-07 05:12 | 2025-01-15 13:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd provided - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-01/XX/2025 <br>Open-TRID: Missing Closing Disclosure Provide initial CD missing in file - Due Diligence Vendor-01/XX/2025 | Resolved-Initial Cd provided - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141447 |  |  | Closed | 2025-01-11 20:48 | 2025-01-15 13:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-1st lien note provided - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. DOT not required note attached - Buyer-XXXX <br> Open-Per guidelines previous Deed of trust for first lien is required and is missing in file - Due Diligence Vendor-01/11/2025 | Resolved-1st lien note provided - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141447 |  |  | Closed | 2025-01-07 04:50 | 2025-01-14 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Seller-01/XX/2025 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 to reflect correct LTV of XXXX%, and update CLTV, HCLTV. (Calculated CLTV, HCLTV is XXXX% per UPB considered from recent supplemental which has most recent balance on page#155) - Due Diligence Vendor-01/XX/2025 | Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-01/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141401 |  |  | Closed | 2025-01-07 10:27 | 2025-01-15 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-01/15/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-01/14/2025 <br>Open-Borrower 1 Gap Credit Report is Missing in file. - Due Diligence Vendor-01/07/2025 | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-01/15/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141436 |  |  | Closed | 2025-01-08 12:54 | 2025-01-15 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-The 1008 document is missing from the loan file. FICO score and amount of Subordinate Financing on 1008 is missing, Provide updated 1008 - Due Diligence Vendor-01/XX/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141436 |  |  | Closed | 2025-01-08 14:01 | 2025-01-15 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Recent mortgage statement provided. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Mortgage Statement uploaded for review. - Buyer-XXXX <br> Open-Provide legal documents for subordinate lien, missing from file. - Due Diligence Vendor-01/XX/2025 | Resolved-Recent mortgage statement provided. - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986509 |  |  | Closed | 2025-01-08 13:06 | 2025-02-12 20:53 | Resolved | 1 - Information C A | Compliance | Late:Amount | Indiana - Maximum Late Fee (UCCC) | Resolved-resolved - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Updated Note and PCCD uploaded for review. - Buyer-XXXX <br> Open-Under the XXXX UCCC, the late charge must be less than or equal to ($25.00). (Ind. Code 24-4.5-3-203.5; 750 IAC 1-1-1) state specific finding - Due Diligence Vendor-01/XX/2025 | Resolved-resolved - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986509 |  |  | Closed | 2025-01-08 13:06 | 2025-02-12 20:53 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | Indiana - Periodic/360 (30/360) Accrual Method Prohibited (UCCC) | Resolved-Please adjust the accrual method. Effective XXXX DFI prohibits the 30/360 interest accrual method for Junior Lien Loans. (XXXX Code 24-4.5-2-201(4)(a)(ii); 24-4.5-3-201(3)(b)(ii); IN DFI Advisory Letter 2020-01) resolved - Due Diligence Vendor-02/XX/2025 <br> Resolved-resolved - Due Diligence Vendor-01/XX/2025 <br> Open-Please adjust the accrual method. Effective XXXX DFI prohibits the 30/360 interest accrual method for Junior Lien Loans. (Indiana Code 24-4.5-2-201(4)(a)(ii); 24-4.5-3-201(3)(b)(ii); XXXX DFI Advisory Letter 2020-01) Updated As Per GL - Due Diligence Vendor-01/XX/2025 | Resolved-Please adjust the accrual method. Effective XXXX prohibits the 30/360 interest accrual method for Junior Lien Loans. (Indiana Code 24-4.5-2-201(4)(a)(ii); 24-4.5-3-201(3)(b)(ii); IN DFI Advisory Letter 2020-01) resolved - Due Diligence Vendor-02/12/2025 <br> Resolved-resolved - Due Diligence Vendor-01/21/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986509 |  |  | Closed | 2025-01-08 16:07 | 2025-01-21 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Missing Hazard Insurance Policy Hazard provided - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. 1st mortgage statement uploaded. This is a 2nd mortgage, 1st mortgage statement shows 1st mortgage pays taxes and insurance. Premium not relevent, please waive. - Seller-XXXX <br> Open-Missing Hazard Insurance Policy Premium amount is missing in the provided Hazard Insurance Policy. Provide Hazard Insurance Policy with premium amount - Due Diligence Vendor-01/XX/2025 | Resolved-Missing Hazard Insurance Policy Hazard provided - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986509 |  |  | Closed | 2025-01-08 10:47 | 2025-01-17 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title binder insurance provided. Resolved - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Title Property Report acceptable for XXXX loans. - Buyer-01/XX/2025 <br>Open-Title Document is missing in the file . Please provide - Due Diligence Vendor-01/XX/2025 | Resolved-Title binder insurance provided. Resolved - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:01 | 2025-01-24 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/XX/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-XXXX <br> Open-Missing Hazard Insurance Policy Hazard insurance policy with Dwelling coverage amount XXXX is required (1st lien and 2nd Lien coverage amount (XXXX)) - Due Diligence Vendor-01/XX/2025 | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/16/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 07:32 | 2025-01-24 11:32 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs 1 Month Provided. Resolved - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided Provided paystub not covering the 30days period - Due Diligence Vendor-01/XX/2025 | Resolved-Borrower 1 Paystubs 1 Month Provided. Resolved - Due Diligence Vendor-01/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:53 | 2025-01-17 22:01 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Tax Related Service Fee (Fee ID: 107) | Resolved-document provided that the fee is Ok - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br> Open-The XXXX does not allow Tax Related Service Fee (Fee ID: 107) to be charged to the Borrower in XXXX. Per Regulation XXXX state not allowed Tax related fee - Due Diligence Vendor-01/XX/2025 | Resolved-document provided that the fee is Ok - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:53 | 2025-01-17 22:00 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-document provided that the fee is Ok - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br> Open-The XXXX does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in XXXX. Per Regulation XXXX state not allowed Flood cer fee - Due Diligence Vendor-01/XX/2025 | Resolved-document provided that the fee is Ok - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:53 | 2025-01-17 22:00 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Closing Protection Letter (Fee ID: 55) | Resolved-document provided that the fee is Ok - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br> Open-The XXXX does not allow Closing Protection Letter (Fee ID: 55) to be charged to the Borrower in XXXX. Per Regulation XXXX state not allowed Closing protection letter fee - Due Diligence Vendor-01/XX/2025 | Resolved-document provided that the fee is Ok - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:53 | 2025-01-17 22:00 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Commitment Rate Lock Fee (Fee ID: 83) | Resolved-document provided that the fee is Ok - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br>Open-The XXXX does not allow Commitment (Rate Lock) Fee (Fee ID: 83) to be charged to the Borrower in XXXX. Per Regulation XXXX state not allowed Commitment rate lock fee - Due Diligence Vendor-01/XX/2025 | Resolved-document provided that the fee is Ok - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:53 | 2025-01-17 21:51 | Resolved | 1 - Information C A | Compliance | Payment:1stPayment | New Jersey - Days to First Payment (RMLA)(Junior Lien) | Resolved-resolved - Due Diligence Vendor-01/XX/2025 <br> Resolved-resolved - Due Diligence Vendor-01/XX/2025 <br> Resolved-per document provided, It is ok to have the first payment within the first 60 days. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br> Open-The first payment date of (XXXX) is greater than 60 days from the Consummation Date of (XXXX). Under the XXXX, the number of days to first payment may not exceed 60 days on subordinate lien loans. XXXX - Due Diligence Vendor-01/XX/2025 | Resolved-resolved - Due Diligence Vendor-01/17/2025 <br>Resolved-resolved - Due Diligence Vendor-01/17/2025 <br>Resolved-per document provided, It is ok to have the first payment within the first 60 days. - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:58 | 2025-01-17 21:51 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-resolved - Due Diligence Vendor-01/XX/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than $35 when compared to the actual Total of Payments of ($XXXX). The difference is ($XXXX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-01/XX/2025 | Resolved-resolved - Due Diligence Vendor-01/17/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:58 | 2025-01-17 21:51 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-resolved - Due Diligence Vendor-01/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-01/XX/2025 | Resolved-resolved - Due Diligence Vendor-01/17/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:53 | 2025-01-17 21:49 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-resolved - Due Diligence Vendor-01/XX/2025 <br> Open-A revised Loan Estimate was provided on (XXXX) via (Other). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is XXXX). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-01/XX/2025 | Resolved-resolved - Due Diligence Vendor-01/17/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141404 |  |  | Closed | 2025-01-08 08:55 | 2025-01-17 21:38 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-received the signed intent to proceed - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Re-uploaded, thank you! - Buyer-01/XX/2025 <br>Counter-Could you resend? The attachment could not be read. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Borrower not signed to the intent to proceed - Due Diligence Vendor-01/XX/2025 | Resolved-received the signed intent to proceed - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141434 |  |  | Closed | 2025-01-08 10:27 | 2025-01-17 02:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Lender provided B1 WVOE. Finding resolved. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Bor 1 WVOE showing yearly income uploaded for review. - Seller-01/XX/2025 <br>Open-Borrower 1 IRS Transcripts Missing.<br> - Due Diligence Vendor-01/XX/2025 | Resolved-Lender provided B1 WVOE. Finding resolved. - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141434 |  |  | Closed | 2025-01-08 10:27 | 2025-01-17 02:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Lender provided B2 WVOE. Finding resolved. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Bor 2 WVOE showing yearly income uploaded for review. - Seller-01/XX/2025 <br>Open-Borrower 2 IRS Transcripts Missing. - Due Diligence Vendor-01/XX/2025 | Resolved-Lender provided B2 WVOE. Finding resolved. - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141434 |  |  | Closed | 2025-01-08 10:27 | 2025-01-16 18:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-WVOE showing yearly income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Bor 1 WVOE showing yearly income uploaded for review. - Buyer-01/XX/2025 <br>Open-Borrower 1 W2/1099 Missing. - Due Diligence Vendor-01/XX/2025 | Resolved-WVOE showing yearly income uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141434 |  |  | Closed | 2025-01-08 10:27 | 2025-01-16 18:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-WVOE showing yearly income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Bor 2 WVOE showing yearly income uploaded for review. - Seller-01/XX/2025 <br>Open-Borrower 2 W2/1099 Missing. - Due Diligence Vendor-01/XX/2025 | Resolved-WVOE showing yearly income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141434 |  |  | Closed | 2025-01-08 10:05 | 2025-01-08 10:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.575%) APR equals or exceeds the Federal HPML threshold of (10.4%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _219___ and the Final Closing disclosure on Pg#'s _70___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _212____ An interior and exterior appraisal was completed for this property – see pg __33__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___ 33, and copy of the appraisal was given to the borrower – see Pg#'s __33___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/XX/2025 | Resolved-The loan's (10.575%) APR equals or exceeds the Federal HPML threshold of (10.4%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _219___ and the Final Closing disclosure on Pg#'s _70___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _212____ An interior and exterior appraisal was completed for this property – see pg __33__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___ 33, and copy of the appraisal was given to the borrower – see Pg#'s __33___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/08/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141429 |  |  | Closed | 2025-01-08 09:17 | 2025-01-16 18:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Lender allows loan amount to $XXXX - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-XXXX guidelines allow loan amounts down to $XXXX. - Buyer-01/XX/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Audited Loan Amount of $XXXX is less than guideline requirement - Due Diligence Vendor-01/XX/2025 | Resolved-Lender allows loan amount to $XXXX - Due Diligence Vendor-01/16/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141429 |  |  | Closed | 2025-01-08 10:10 | 2025-01-16 17:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement for 1st lien provided by lender - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Mortgage Statement from 1st mortgage uploaded for review. - Buyer-XXXX <br> Open-Previous Note and DOT is missing in 2nd lien file - Due Diligence Vendor-01/XX/2025 | Resolved-Mortgage statement for 1st lien provided by lender - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141429 |  |  | Closed | 2025-01-13 22:39 | 2025-01-16 15:27 | Resolved | 1 - Information C A | Credit | Credit | Deficient condo documentation. | Resolved-Lender provided email chain which confirmed the condo was warrantable. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Confirmation from seller that this was underwritten as a warrantable condo. - Buyer-01/XX/2025 <br>Open-Count not determine if the condo project was warrantable. - Due Diligence Vendor-01/XX/2025 | Resolved-Lender provided email chain which confirmed the condo was warrantable. - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141429 |  |  | Closed | 2025-01-08 09:57 | 2025-01-08 10:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.561%) APR equals or exceeds the Federal HPML threshold of (10.4%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 474 and the Final Closing disclosure on Pg#'s 72 reflects escrows. Rate lock date was entered correctly – see Pg#'s 465 An interior and exterior appraisal was completed for this property – see pg 32-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'485 , and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-01/XX/2025 | Resolved-The loan's (11.561%) APR equals or exceeds the Federal HPML threshold of (10.4%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 474 and the Final Closing disclosure on Pg#'s 72 reflects escrows. Rate lock date was entered correctly – see Pg#'s 465 An interior and exterior appraisal was completed for this property – see pg 32-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'485 , and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-01/08/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141432 |  |  | Closed | 2025-01-08 13:16 | 2025-01-16 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. This is a 2nd mortgage. Mortgage statement for 1st mortgage upload to show 1st mortgage is escrowed and includes insurance payment. - Buyer-01/XX/2025 <br>Open-Hazard Insurance Policy Partially Provided Provided hazard insurance document is missing with Premium amount and no supporting invoice provided in file. - Due Diligence Vendor-01/XX/2025 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141432 |  |  | Closed | 2025-01-14 14:36 | 2025-01-16 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Title Property Report acceptable on XXXX 2nd mortgages. Please waive. - Buyer-01/XX/2025 <br>Open-Title Document is missing Only property report provided, title is missing - Due Diligence Vendor-01/XX/2025 | Resolved-Title Document is fully Present - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141432 |  |  | Closed | 2025-01-08 13:54 | 2025-01-16 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved- - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. 1st Mortgage Statement uploaded for review. - Buyer-01/15/2025 <br>Open-Note and Deed of Trust for senior lien is missing in file required per guidelines - Due Diligence Vendor-01/08/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141437 |  |  | Closed | 2025-01-10 08:21 | 2025-01-21 16:52 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-document provided showing the funding date as XXXX - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. PCCD reflecting correct disbursement date of XXXX uploaded for review. - Seller-XXXX Ready for Review-Document Uploaded. I've uploaded a screen shot from the Final CD showing the Prepaid Interest started on XXXX, which means the loan did not disburse until XXXX. Is this sufficient to clear the condition? If not and a PCCD is needed to correct the date at the top of the page then let me know and that will be obtained. - Seller-01/XX/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX. Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) the right of recession ends on XXXX4 and the loan funded on XXXX. The loan should have funded on XXXX - Due Diligence Vendor-01/XX/2025 | Resolved-document provided showing the funding date as XXXX - Due Diligence Vendor-01/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141437 |  |  | Closed | 2025-01-10 04:49 | 2025-01-21 16:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Guidelines allow loan amounts as low as $XXXX on XXXX loans. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Guidelines allow loan amounts as low as $XXXX on XXXX loans. - Seller-01/XX/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-01/XX/2025 | Resolved-Guidelines allow loan amounts as low as $XXXX on XXXX loans. - Due Diligence Vendor-01/21/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141437 |  |  | Closed | 2025-01-10 03:55 | 2025-01-17 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title binder insurance provided. Resolved - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Title Property Report uploaded is acceptable on XXXX loans. - Seller-01/XX/2025 <br>Open-Title Document is missing - Due Diligence Vendor-01/XX/2025 | Resolved-Title binder insurance provided. Resolved - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141435 |  |  | Closed | 2025-01-10 14:15 | 2025-01-17 18:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-2nd mortgage. Escrow waiver not required on 2nd mortgage loans - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-2nd mortgage. Escrow waiver not required on 2nd mortgage loans. Please waive. - Buyer-01/XX/2025 <br>Open-Loan is qualified with Escrow waiver which is missing in the file .Provide Escrow waiver document - Due Diligence Vendor-01/XX/2025 | Resolved-2nd mortgage. Escrow waiver not required on 2nd mortgage loans - Due Diligence Vendor-01/17/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141435 |  |  | Closed | 2025-01-10 11:25 | 2025-01-17 18:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-XXXX loan. Guidelines allow loans as low as $50,000.00 - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-XXXX loan. Guidelines allow loans as low as $XXXX. Please waive. - Buyer-01/XX/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-01/XX/2025 | Resolved-XXXX loan. Guidelines allow loans as low as $XXXX - Due Diligence Vendor-01/17/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141435 |  |  | Closed | 2025-01-10 09:45 | 2025-01-16 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title binder uploaded and it is sufficient as the loan amount is less than $XXXX. It is not required to have Subject Coverage in it, Verified & entered in system - Resolved - Due Diligence Vendor-01/XX/2025 <br> Resolved-Title Document is fully Present - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Title report acceptable on XXXX loans. - Seller-01/XX/2025 <br> Open-Title Document is missing No information was provided in the available Title doc . Provide Title document - Due Diligence Vendor-01/XX/2025 | Resolved-Title binder uploaded and it is sufficient as the loan amount is less than $XXXX. It is not required to have Subject Coverage in it, Verified & entered in system - Resolved - Due Diligence Vendor-01/16/2025 <br> Resolved-Title Document is fully Present - Due Diligence Vendor-01/16/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141435 |  |  | Closed | 2025-01-10 12:55 | 2025-01-14 18:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.636%) APR equals or exceeds the Federal HPML threshold of (10.4%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# missing and the Final Closing disclosure on Pg# 128 reflects escrows. Rate lock date was entered correctly see Pg# 366 An interior and exterior appraisal was completed for this property – see Page# 46 the appraisal disclosure was provided to the borrower(s)- see Pg# 43, and copy of the appraisal was given to the borrower see Pg# 46 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-01/XX/2025 | Resolved-The loan's (10.636%) APR equals or exceeds the Federal HPML threshold of (10.4%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# missing and the Final Closing disclosure on Pg# 128 reflects escrows. Rate lock date was entered correctly see Pg# 366 An interior and exterior appraisal was completed for this property – see Page# 46 the appraisal disclosure was provided to the borrower(s)- see Pg# 43, and copy of the appraisal was given to the borrower see Pg# 46 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-01/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141397 |  |  | Closed | 2025-01-13 05:13 | 2025-01-22 13:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/17/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing from file. - Due Diligence Vendor-01/13/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141397 |  |  | Closed | 2025-01-16 19:50 | 2025-01-22 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing benefit to Borrower form | Resolved- - Due Diligence Vendor-01/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/17/2025 <br>Open-Missing benefit to Borrower form - Due Diligence Vendor-01/16/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141397 |  |  | Closed | 2025-01-13 05:27 | 2025-01-21 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-XXXX Mortgage Benefit to Borrower Worksheet uploaded verified & entered in system - Resolved - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-Cashout Proceeds LOX is missing from file. - Due Diligence Vendor-01/XX/2025 | Resolved-XXXX Mortgage Benefit to Borrower Worksheet uploaded verified & entered in system - Resolved - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141372 |  |  | Closed | 2025-01-14 17:03 | 2025-01-22 20:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD received and updated to review, resolved. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence didn't run Mavent. - Due Diligence Vendor-01/XX/2025 | Resolved-Initial CD received and updated to review, resolved. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141372 |  |  | Closed | 2025-01-14 17:11 | 2025-01-22 16:13 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived- - Due Diligence Vendor-01/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX agrees with exception approved by XXXX 01.07.25 - Buyer-01/XX/2025 <br> Open-Exception page #514 is made for r acreage 2.18 vs ma of 2 on EA product. Subject lot is exclusively residential with no mixed use, commercial, or agricultural. Subject does not contain outbuildings, animal paddocks, or farming infrastructure. Appraiser describes subject location in a "suburban pod" of XXXX. Bwr has 3 yrs stable employment with same business. - Due Diligence Vendor-01/XX/2025 |  |  |  | DTI is 23.67%. Maximum allowed per guidelines is 50%.<br> Borrower has XXXX months Reserves. Minimum required per guidelines is 0 months. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5141396 |  |  | Closed | 2025-01-14 21:08 | 2025-01-23 00:16 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-Updated FEMA map provided confirmed property not in an affected area. Finding resolved. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. FEMA map uploaded showing property not in a disaster area. No PDI required. - Buyer-01/XX/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-01/XX/2025 | Resolved-Updated FEMA map provided confirmed property not in an affected area. Finding resolved. - Due Diligence Vendor-01/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141396 |  |  | Closed | 2025-01-14 10:55 | 2025-01-22 15:36 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'206 Rate lock date was entered correctly – see Pg#'s 464 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the confirmation the appraisal was delivered to the borrower – see Pg#'s in finding. Finding resolved. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Appraisal Disclosure uploaded for review. - Buyer-01/XX/2025 <br>Open-The loan's (10.408%) APR equals or exceeds the Federal HPML threshold of (10.39%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(iii)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'206<br> Rate lock date was entered correctly – see Pg#'s 464<br> An interior and exterior appraisal was completed for this property – see pg#18, <br> ECOA Appraisal Disclosure OR the confirmation the appraisal was delivered to the borrower – see Pg#'s Missing. <br> - Due Diligence Vendor-01/XX/2025 | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'206 Rate lock date was entered correctly – see Pg#'s 464 An interior and exterior appraisal was completed for this property – see pg#18, ECOA Appraisal Disclosure OR the confirmation the appraisal was delivered to the borrower – see Pg#'s in finding. Finding resolved. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141396 |  |  | Closed | 2025-01-14 10:56 | 2025-01-22 15:36 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Lender provided executed Right to receive appraisal disclosure. Finding resolved. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Appraisal Disclosure uploaded for review. - Buyer-01/XX/2025 <br>Open-Missing Right to Receive Appraisal and confirmation of appraisal in file. - Due Diligence Vendor-01/XX/2025 | Resolved-Lender provided executed Right to receive appraisal disclosure. Finding resolved. - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141377 |  |  | Closed | 2025-01-16 10:38 | 2025-01-27 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Provided 1008 document in loan file shows correct P&I which matches with actual docs.<br> - Due Diligence Vendor-01/XX/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br>Open-The 1008 document is missing from the loan file. Provide updated 1008 with correct First mortgage P&I. First mortgage P&I is not matching with actual docs. - Due Diligence Vendor-01/XX/2025 | Resolved-Provided 1008 document in loan file shows correct P&I which matches with actual docs.<br> - Due Diligence Vendor-01/27/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-28 16:21 | 2025-02-24 18:52 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br> Open-open - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD removing fees not allowed by XXXX. Refund was previously provided. - Buyer-02/XX/2025 <br> Counter-PCCD insufficient to cure deficiencies, please provide an updated PCCD with the Lender Credit applied to the Origination fee and refund the prohibited fees. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. PCCD, LOE and checks showing reimbursement back to borrower to cure - Seller-02/XX/2025 <br> Counter-This is a state law violation. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-all fails are for QM files only, this is a Non-QM file and QM fails would not apply. Please clear as this is one of our top clients; we need to get this file purchased as quickly as possible. thank you! - Buyer-02/XX/2025 <br> Counter-The compliance Ease report that was provided showed Fails. - Due Diligence Vendor-01/XX/2025 <br> Open-open - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Please review updated CE from seller to confirm we should be okay here - Seller-01/XX/2025 <br> Open-The XXXX prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. XXXX open - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-28 16:21 | 2025-02-24 18:52 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br> Open-open - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD removing fees not allowed by TX. Refund was previously provided. - Seller-02/XX/2025 <br> Counter-PCCD insufficient to cure deficiencies, please provide an updated PCCD with the Lender Credit applied to the Origination fee and refund the prohibited fees. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. PCCD, LOE and checks showing reimbursement back to borrower to cure - Seller-02/XX/2025 <br> Counter-This is a state law violation. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-all fails are for QM files only, this is a Non-QM file and QM fails would not apply. Please clear as this is one of our top clients; we need to get this file purchased as quickly as possible. thank you! - Seller-02/XX/2025 <br> Counter-The XXXX report that was provided showed Fails. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Seller CD does not show alerts - Seller-01/XX/2025 <br> Open-The Texas Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) open - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-28 16:21 | 2025-02-24 18:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-02/XX/2025 <br> Resolved- - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Please review updated CE from seller to confirm we should be okay here - Seller-01/XX/2025 <br> Open-provide the COC for the increase in fees on the final CD. - Due Diligence Vendor-01/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($789.90) were applied to the total fee variance of ($1,239.25) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved - Due Diligence Vendor-02/24/2025 <br>Resolved- - Due Diligence Vendor-01/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-28 16:21 | 2025-02-24 18:52 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD removing fees not allowed by XXXX. Refund was previously provided. - Seller-02/XX/2025 <br> Counter-PCCD insufficient to cure deficiencies, please provide an updated PCCD with the Lender Credit applied to the Origination fee and refund the prohibited fees. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. PCCD, LOE and checks showing reimbursement back to borrower to cure - Seller-02/XX/2025 <br> Counter-This is a state law violation. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-all fails are for QM files only, this is a Non-QM file and QM fails would not apply. Please clear as this is one of our top clients; we need to get this file purchased as quickly as possible. thank you! - Seller-02/XX/2025 <br> Counter-The compliance Ease report that was provided showed Fails. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Please review updated CE from seller to confirm we should be okay here - Buyer-01/XX/2025 <br> Open-The XXXX does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in XXXX. - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-28 16:21 | 2025-02-24 18:49 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Settlement or Closing Fee (Fee ID: 51) | Resolved- - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD removing fees not allowed by XXXX. Refund was previously provided. - Buyer-02/XX/2025 <br> Counter-PCCD insufficient to cure deficiencies, please provide an updated PCCD with the Lender Credit applied to the Origination fee and refund the prohibited fees. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. PCCD, LOE and checks showing reimbursement back to borrower to cure - Seller-02/XX/2025 <br> Counter-This is a state law violation. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-all fails are for QM files only, this is a Non-QM file and QM fails would not apply. Please clear as this is one of our top clients; we need to get this file purchased as quickly as possible. thank you! - Seller-02/XX/2025 <br> Counter-The compliance Ease report that was provided showed Fails. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Please review seller CD - Buyer-01/XX/2025 <br> Open-XXXX does not allow Settlement or Closing Fee (Fee ID: 51) to be charged to the Borrower in XXXX. - Due Diligence Vendor-01/XX/2025 | Resolved- - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-28 16:21 | 2025-02-24 18:49 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Attorney's Fees (Fee ID: 57) | Resolved- - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Corrected PCCD removing fees not allowed by XXXX. Refund was previously provided. - Seller-02/XX/2025 <br> Counter-PCCD insufficient to cure deficiencies, please provide an updated PCCD with the Lender Credit applied to the Origination fee and refund the prohibited fees. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. PCCD, LOE and checks showing reimbursement back to borrower to cure - Buyer-02/XX/2025 <br> Counter-This is a state law violation. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-all fails are for QM files only, this is a Non-QM file and QM fails would not apply. Please clear as this is one of our top clients; we need to get this file purchased as quickly as possible. thank you! - Buyer-02/XX/2025 <br> Counter-The compliance Ease report that was provided showed Fails. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Please review updated CE from seller to confirm we should be okay here - Buyer-01/XX/2025 <br> Open-XXXX does not allow Attorney's Fees (Fee ID: 57) to be charged to the Borrower in XXXX. - Due Diligence Vendor-01/XX/2025 | Resolved- - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-28 16:21 | 2025-01-31 22:50 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Loan Discount Fee (Fee ID: 999) | Resolved- - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Please review updated CE from seller to confirm we should be okay here - Seller-01/XX/2025 <br> Open-The XXXX does not allow Loan Discount Fee (Fee ID: 999) to be charged to the Borrower in XXXX. - Due Diligence Vendor-01/XX/2025 | Resolved- - Due Diligence Vendor-01/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-16 09:09 | 2025-01-28 17:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the missing initial CD - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-01/XX/2025 | Resolved-Received the missing initial CD - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4940930 |  |  | Closed | 2025-01-16 07:04 | 2025-01-27 10:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-01/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/27/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141438 |  |  | Closed | 2025-01-16 10:28 | 2025-01-28 16:40 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved- - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. Please see LOE from seller - Seller-01/27/2025 <br>Open-As per final Cd, DOT and 1008 Property is condominium, but Provided Appraisal is 1004, Require Updated Appraisal - Due Diligence Vendor-01/16/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141438 |  |  | Closed | 2025-01-16 09:05 | 2025-01-27 10:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount of $XXXX - Due Diligence Vendor-01/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/27/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141438 |  |  | Closed | 2025-01-16 09:18 | 2025-01-27 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-01/27/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. - Seller-01/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing in file - Due Diligence Vendor-01/16/2025 | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-01/27/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141438 |  |  | Closed | 2025-01-16 10:13 | 2025-01-22 20:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.573%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg and the Final Closing disclosure on Pg 142 reflects escrows. Rate lock date was entered correctly – see Pg 249 An interior and exterior appraisal was completed for this property – see pg 29 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 248, and copy of the appraisal was given to the borrower – see Pg 13 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/XX/2025 | Resolved-The loan's (10.573%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg and the Final Closing disclosure on Pg 142 reflects escrows. Rate lock date was entered correctly – see Pg 249 An interior and exterior appraisal was completed for this property – see pg 29 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 248, and copy of the appraisal was given to the borrower – see Pg 13 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/16/2025<br>|  |  | HPML requirements have been met | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141375 |  |  | Closed | 2025-01-17 11:20 | 2025-01-28 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. XXXX uploaded for VOE - Buyer-01/XX/2025 <br> Counter-The CPA letter provided is dated XXXX and the closing date isXXXX. VOE dated within 10 business days of XXXX is missing in file - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-01/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141375 |  |  | Closed | 2025-01-17 11:20 | 2025-01-28 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-01/XX/2025 <br>Resolved-Lender Worksheet / Income Calculator Provided. Resolved - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-01/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-01/XX/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-01/28/2025 <br>Resolved-Lender Worksheet / Income Calculator Provided. Resolved - Due Diligence Vendor-01/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141375 |  |  | Closed | 2025-01-17 13:14 | 2025-01-23 16:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.369%) APR equals or exceeds the Federal HPML threshold of (10.19%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'133<br> Rate lock date was entered correctly – see Pg#'s 392<br> An interior and exterior appraisal was completed for this property – see pg#24, <br> ECOA Appraisal Disclosure OR the LE's page as the page#16.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 16.<br> - Due Diligence Vendor-01/XX/2025 | Resolved-The loan's (11.369%) APR equals or exceeds the Federal HPML threshold of (10.19%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'133<br> Rate lock date was entered correctly – see Pg#'s 392<br> An interior and exterior appraisal was completed for this property – see pg#24, <br> ECOA Appraisal Disclosure OR the LE's page as the page#16.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 16.<br> - Due Diligence Vendor-01/17/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4985634 |  |  | Closed | 2025-01-17 06:57 | 2025-02-25 00:22 | Resolved | 1 - Information C A | Compliance | Fees:Limited | North Carolina - Max Lender Fees | Resolved-PC Mavent is passing, resolved. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded for review - Seller-02/XX/2025 <br> Counter-This is not curable - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Please advise on the cure for this condition - Seller-02/XX/2025 <br> Open-This loan contains in ($2.00) in origination fees, which includes all fees paid to lender, excluding prepaid interest and impounds. Under the XXXX Interest Provisions, on a junior lien loan less than $XXXX, the lender may not charge origination fees exceeding 2% of the loan amount which is ($2,170.80). XXXX This is a State Specific Finding - Due Diligence Vendor-01/XX/2025 | Resolved-PC Mavent is passing, resolved. - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4985634 |  |  | Closed | 2025-01-17 05:51 | 2025-02-20 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM Report within 10 days from closing date uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-02/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-01/XX/2025 | Resolved-UDM Report within 10 days from closing date uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/20/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4985634 |  |  | Closed | 2025-01-17 06:57 | 2025-02-06 21:55 | Waived | 2 - Non-Material C B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Waived-Per external counsel, Appropriate to waive as a B - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Please advise on the cure for this condition - Buyer-02/XX/2025 <br> Open-The loan's (9.925%) APR equals or exceeds the XXXX Rate Spread Home Loan junior lien threshold of (9.56%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.06%).XXXX This is a State Specific Finding - Due Diligence Vendor-01/XX/2025 | Waived-Per external counsel, Appropriate to waive as a B - Due Diligence Vendor-02/06/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 4985634 |  |  | Closed | 2025-01-17 07:17 | 2025-01-31 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts not required as Loan has 4506-C. - Due Diligence Vendor-01/XX/2025 <br>Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Transcripts not required only signed 4506 - Buyer-01/XX/2025 <br>Open-Borrower 1 IRS Transcripts Missing. - Due Diligence Vendor-01/XX/2025 | Resolved-Borrower 1 IRS Transcripts not required as Loan has 4506-C. - Due Diligence Vendor-01/31/2025 <br>Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-01/31/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4985634 |  |  | Closed | 2025-01-17 06:57 | 2025-01-24 00:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (9.925%) APR equals or exceeds the Federal HPML threshold of (9.56%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.06%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 277 An interior and exterior appraisal was completed for this property – see pg 43, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 74. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/XX/2025 | Resolved-The loan's (9.925%) APR equals or exceeds the Federal HPML threshold of (9.56%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.06%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 277 An interior and exterior appraisal was completed for this property – see pg 43, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 74. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/17/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141381 |  |  | Closed | 2025-01-21 09:36 | 2025-02-03 23:30 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD with updated per diem and disbursement date provided. XXXX is passing. Resolved - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br> Counter-The disbursement date on the final CD is XXXX. The cancelation date on the ROR form is XXXX. The borrower did not get the full 3 day rescission period per review. Please provide the PCCD with the updated disbursement date and per diem date in order to clear Mavent report. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Please Re-review. Disbursement occurred 6 days after the close date and/or on the 4th business day after the close date, meeting the 3 day requirement. - Buyer-01/XX/2025 <br> Open-The loan disbursement date XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Disbursement date on final CD is XXXX. However the expiration date on the ROR form is XXXX. The borrower did not get the full 3 day recission period. Please provide PCCD with updated disbursement and per diem dates. - Due Diligence Vendor-01/XX/2025 | Resolved-PCCD with updated per diem and disbursement date provided. XXXX is passing. Resolved - Due Diligence Vendor-02/03/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141381 |  |  | Closed | 2025-01-21 08:35 | 2025-01-27 11:08 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-1008 document Provided with Correct FICO. - Due Diligence Vendor-01/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Wage Earner Mid Score is XXXX. - Buyer-01/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is 'XXXX, whereas Qualifying FICO from the Credit Liabilities Page is 'XXXX', Fico matches with 1008 by selecting Lowest fico method, But selection made as per GL's Requirement - Due Diligence Vendor-01/XX/2025 | Resolved-1008 document Provided with Correct FICO. - Due Diligence Vendor-01/27/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-01/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141400 |  |  | Closed | 2025-01-21 06:52 | 2025-01-29 17:15 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-This is three business days. We would not count saturday. - Buyer-01/XX/2025 <br> Open-The Initial Loan Estimate Disclosure Date XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) Initial LE issued on XXXX However Initial 1003 LO signed on XXXXwhich is beyond 3 business days. - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved - Due Diligence Vendor-01/29/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141400 |  |  | Closed | 2025-01-21 06:52 | 2025-01-29 17:15 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved - Due Diligence Vendor-01/XX/2025 <br>Resolved- This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 338. An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg# 523, and copy of the appraisal was given to the borrower – see Pg#'s 20 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower FINDINGS. The loan does not meets HPML guidelines. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br>Open-The loan's (10.326%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) Appraiser independence requirements appraisal acknowledgement form on page 50 is not signed.<br>This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 338. An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg# 523, and copy of the appraisal was given to the borrower – see Pg#'s 20 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower MISSING. The loan does not meets HPML guidelines. - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved - Due Diligence Vendor-01/29/2025 <br>Resolved- This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 338. An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg# 523, and copy of the appraisal was given to the borrower – see Pg#'s 20 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower FINDINGS. The loan does not meets HPML guidelines. - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141400 |  |  | Closed | 2025-01-24 14:09 | 2025-01-29 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing benefit to Borrower form | Resolved- - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br>Open- - Due Diligence Vendor-01/XX/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141400 |  |  | Closed | 2025-01-21 12:26 | 2025-01-29 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-XXXX Mortgage Benefit to Borrower worksheet on uncontrolled cash out uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Benefit to borrower is getting cash back-our guides no longer require a cash out LOX since August 2024-please clear - Seller-01/XX/2025 <br>Open-Provide LOX for the reason for Cash-Out. - Due Diligence Vendor-01/XX/2025 | Resolved-XXXX Mortgage Benefit to Borrower worksheet on uncontrolled cash out uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141374 |  |  | Closed | 2025-01-28 22:26 | 2025-01-31 18:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC for updated to initial CD. XXXX is passing. Resolved - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. COC was provided with initial cd. please review last page - Seller-01/XX/2025 <br> Open-This loan failed the charges that cannot increase test due to the points fee that increased on the initial CD issued on XXXX. There is no change of circumstance form or evidence of reimbursement on file. Please provide a valid COC form or to cure, PCCD, refund check and POD. - Due Diligence Vendor-01/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). a - Due Diligence Vendor-01/XX/2025 | Resolved-COC for updated to initial CD. XXXX is passing. Resolved - Due Diligence Vendor-01/31/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141374 |  |  | Closed | 2025-01-24 23:44 | 2025-01-28 22:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided and updated to review. Mavent was run. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-01/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial CD - Due Diligence Vendor-01/XX/2025 | Resolved-Initial CD provided and updated to review. Mavent was run. - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141374 |  |  | Closed | 2025-01-22 11:20 | 2025-01-28 22:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Income calc 1008 Final 1003 show same income - Buyer-01/XX/2025 <br>Open-The Final 1003 is Incomplete Borrower income difference between final 1003 and final 1008, required updated 1003 with correct income. - Due Diligence Vendor-01/XX/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141374 |  |  | Closed | 2025-01-22 09:29 | 2025-01-28 08:35 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Gap credit within 10 business days of closing - Buyer-01/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/XX/2025 | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-01/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141405 |  |  | Closed | 2025-01-22 05:56 | 2025-01-31 17:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP Provided, Resolved. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-01/XX/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. XXXX on file is not executed. - Due Diligence Vendor-01/XX/2025 | Resolved-ITP Provided, Resolved. - Due Diligence Vendor-01/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141418 |  |  | Closed | 2025-01-23 09:39 | 2025-01-29 13:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 provided. - Due Diligence Vendor-01/XX/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Updated Final 1003 uploaded for review. - Buyer-01/XX/2025 <br>Open-The Final 1003 is Incomplete Provide Years in Industry on final 1003 for both B1 and B2. - Due Diligence Vendor-01/XX/2025 | Resolved-Updated 1003 provided. - Due Diligence Vendor-01/29/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141371 |  |  | Closed | 2025-01-24 14:04 | 2025-02-10 22:27 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Requirements of HPML have been met - Due Diligence Vendor-02/XX/2025 <br>Resolved-The loan meets HPML requirements. - Due Diligence Vendor-01/XX/2025 <br>Open-The loan's (10.481%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower's the Final Closing disclosure on Pg 130 reflects escrows. Rate lock date was entered correctly – see Pg 402 An interior and exterior appraisal was completed for this property – see pg 38 to 46 the appraisal disclosure was provided to the borrower(s)- see Pg 394, and copy of the appraisal was given to the borrower – see Pg 23 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/XX/2025 | Resolved-Requirements of HPML have been met - Due Diligence Vendor-02/10/2025 <br>Resolved-The loan meets HPML requirements. - Due Diligence Vendor-01/30/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141371 |  |  | Closed | 2025-01-24 14:04 | 2025-02-10 22:21 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Administration Fee (Fee ID: 141) | Ready for Review-Document Uploaded. please see attached. - Seller-02/XX/2025 <br>Counter-Thank you for the documents and explanation of permitted fees. Based upon your communication we will resolve upon receipt of the PCCD, etc. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. seller rebuttal attached. - Seller-02/XX/2025 <br>Open-The XXXX does not allow Administration Fee (Fee ID: 141) to be charged to the Borrower in XXXX. State base finding, XXXX state does not allow Administration Transfer Fee - Due Diligence Vendor-01/XX/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141371 |  |  | Closed | 2025-01-24 14:04 | 2025-02-10 22:21 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Broker Fees (Fee ID: 99) | Resolved-Resolved per Lender provided documentation. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. see attached seller rebuttal - Seller-02/XX/2025 <br>Open-The XXXX does not allow Broker Fees (Fee ID: 99) to be charged to the Borrower in XXXX. State base finding, XXXX state does not allow Broker Fees Transfer Fee - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved per Lender provided documentation. - Due Diligence Vendor-02/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141371 |  |  | Closed | 2025-01-24 13:15 | 2025-02-04 23:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/XX/2025 <br>Resolved-Lender provided VOE. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. VOE attached. - Buyer-02/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE is missing in file - Due Diligence Vendor-01/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/04/2025 <br>Resolved-Lender provided VOE. - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141371 |  |  | Closed | 2025-01-24 13:06 | 2025-02-03 22:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Waiver and comp factors provided - Due Diligence Vendor-02/XX/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. approved FICO score of XXXX uploaded<br> XXXX agrees with exception approved by XXXXr on XXXX - Seller-01/XX/2025 <br> Open-Audited FICO of XXXX is less than Guideline FICO of 680, there are 2 credit reports considered fico from recent dated credit report of XXXX - Due Diligence Vendor-01/XX/2025 | Waived-Waiver and comp factors provided - Due Diligence Vendor-02/03/2025<br>| XXXX |  | 41.81% DTI; 50% maximum<br> 52% LTV; 85% maximum<br> XXXX months reserves; 0 required | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5141371 |  |  | Closed | 2025-01-24 14:16 | 2025-01-30 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employment Business Narrative Form uploaded uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. document is attached. - Buyer-01/XX/2025 <br>Open-Self employed Business Narrative is missing in file - Due Diligence Vendor-01/XX/2025 | Resolved-Self-Employment Business Narrative Form uploaded uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4984338 |  |  | Closed | 2025-01-27 11:15 | 2025-02-24 14:06 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC provided for increase of Points and Fees. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. COC provided - Buyer-02/XX/2025 <br> Counter-Provide Change of Circumstance for increase of Loan points from final LE XXXX, amount of $8125 to initial CD XXXX, amount XXXX. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Please provide cure for condition - Buyer-02/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/XX/2025 | Resolved-COC provided for increase of Points and Fees. - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4984338 |  |  | Closed | 2025-01-27 11:44 | 2025-02-21 15:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Waiver and comp factors accepted - Due Diligence Vendor-02/XX/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. XXXX Approves exception - Buyer-02/XX/2025 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX Per Guidelines Maximum Loan Amount is XXXX per Loan file loan amount is $XXXX - Due Diligence Vendor-01/XX/2025 | Waived-Waiver and comp factors accepted - Due Diligence Vendor-02/21/2025<br>| XXXX |  | 5.2% LTV; 75% maximum<br> CLTV 25.99%; 75% maximum<br> 3.27% DTI; 50% maximum<br> XXXX months reserves; 6 minimum | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5141442 |  |  | Closed | 2025-01-27 12:47 | 2025-02-05 09:42 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Resolved as requested HOA Questionnare Provided. - Due Diligence Vendor-02/XX/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-02/XX/2025 <br>Open-HOA Questionnaire is Missing or Partial. HOA Questionnaire for Condo property is missing in file. <br> - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved as requested HOA Questionnare Provided. - Due Diligence Vendor-02/05/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-02/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141442 |  |  | Closed | 2025-01-27 12:18 | 2025-02-05 09:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Resolved as requested Paystubs for 1 Month Provided. - Due Diligence Vendor-02/XX/2025 <br>Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-02/XX/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided As per G/Ls, Pay stub(s) covering the most recent 30-day period providing year-to-date earnings. But in file, less than a month is available. - Due Diligence Vendor-01/XX/2025 | Resolved-Resolved as requested Paystubs for 1 Month Provided. - Due Diligence Vendor-02/05/2025 <br>Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-02/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141442 |  |  | Closed | 2025-01-27 13:36 | 2025-01-31 15:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Massachusetts - Higher Priced Mortgage Loan | Resolved-This junior lien closed end loan secured by a XXXX primary dwelling is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (XXXX) APR equals or exceeds the HPML threshold of (XXXX). The threshold is determined by adding 3.5 points to the (XXXX) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'85<br> Rate lock date was entered correctly – see Pg#'s 296<br> An interior and exterior appraisal was completed for this property – see pg#36, <br> ECOA Appraisal Disclosure OR the LE's page as the page# Missing. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s Missing. <br> - Due Diligence Vendor-01/XX/2025 | Resolved-This junior lien closed end loan secured by a XXXX primary dwelling is a Massachusetts Higher-Priced Mortgage Loan (HPML). The loan's (10.695%) APR equals or exceeds the HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the (7.07%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'85<br> Rate lock date was entered correctly – see Pg#'s 296<br> An interior and exterior appraisal was completed for this property – see pg#36, <br> ECOA Appraisal Disclosure OR the LE's page as the page# Missing. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s Missing. <br> - Due Diligence Vendor-01/27/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5141442 |  |  | Closed | 2025-01-27 13:36 | 2025-01-31 15:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.695%) APR equals or exceeds the Federal HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'85<br> Rate lock date was entered correctly – see Pg#'s 296<br> An interior and exterior appraisal was completed for this property – see pg#36, <br> ECOA Appraisal Disclosure OR the LE's page as the page# Missing. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s Missing. <br> - Due Diligence Vendor-01/XX/2025 | Resolved-The loan's (10.695%) APR equals or exceeds the Federal HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'85<br> Rate lock date was entered correctly – see Pg#'s 296<br> An interior and exterior appraisal was completed for this property – see pg#36, <br> ECOA Appraisal Disclosure OR the LE's page as the page# Missing. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s Missing. <br> - Due Diligence Vendor-01/27/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986505 |  |  | Closed | 2025-02-18 20:29 | 2025-02-21 03:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided revised LE for inspection fee added at Initial CD. Updated courier fee. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. COC is attached-courier fee should not require a cure or COC - Buyer-02/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee, Courier Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Please provide COC for added inspection fee and courier fee at Initial CD. - Due Diligence Vendor-02/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Title Endorsement Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-02/XX/2025 | Resolved-Lender provided revised LE for inspection fee added at Initial CD. Updated courier fee. Finding resolved. - Due Diligence Vendor-02/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986505 |  |  | Closed | 2025-02-07 12:12 | 2025-02-21 03:24 | Resolved | A | Data Edit | Data Edit | Compliance Not Tested for Primary Residence or Second Home | Resolved-Lender provided Initial and Revised CDs with COC. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br>Open-When occupancy is Primary Residence or Second Home, Compliance Must be Tested. Please verify that compliance has been tested & page saved. Initial CD is not available to run Compliance. - Due Diligence Vendor-02/XX/2025 | Resolved-Lender provided Initial and Revised CDs with COC. Finding resolved. - Due Diligence Vendor-02/18/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-02/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986505 |  |  | Closed | 2025-02-18 20:29 | 2025-02-18 20:31 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Updated Loan product. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Open-The Loan Product of (Fixed) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of XXXX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) open - Due Diligence Vendor-02/XX/2025 | Resolved-Updated Loan product. Finding resolved. - Due Diligence Vendor-02/18/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986505 |  |  | Closed | 2025-02-18 20:29 | 2025-02-18 20:31 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-Updated Loan product. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Open-The last Closing Disclosure Received Date (XXXX) is not at least 3 business days before the consummation date of (XXXX). The (Fixed) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) open - Due Diligence Vendor-02/XX/2025 | Resolved-Updated Loan product. Finding resolved. - Due Diligence Vendor-02/18/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986505 |  |  | Closed | 2025-02-07 09:37 | 2025-02-18 20:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Lender provided updated Final 1003. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br>Open-The Final 1003 is Incomplete Final 1003 does not have how the title was held for REO- Primary residence. - Due Diligence Vendor-02/XX/2025 | Resolved-Lender provided updated Final 1003. Finding resolved. - Due Diligence Vendor-02/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986505 |  |  | Closed | 2025-02-07 10:49 | 2025-02-18 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/XX/2025 | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/18/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5009033 |  |  | Closed | 2025-02-10 05:33 | 2025-02-13 15:23 | Resolved | A | Property | Appraisal | Appraisal | Resolved-AVM provided - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. - Buyer-02/12/2025 <br> Open-Per Lender matrix, for loan amounts < XXXX an AVM, drive by appraisal or full appraisal is required. None provided in the file. - Due Diligence Vendor-02/10/2025 | Resolved-AVM provided - Due Diligence Vendor-02/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-28 18:10 | 2025-02-28 18:16 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Updated Compliance dates. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than $35 when compared to the actual Total of Payments of ($XXXX). The difference is ($XXXX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) in review - Due Diligence Vendor-02/XX/2025 | Resolved-Updated Compliance dates. Finding resolved. - Due Diligence Vendor-02/28/2025 <br>Resolved-Resolved - Due Diligence Vendor-02/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-28 18:10 | 2025-02-28 18:16 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Updated Compliance dates. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) in review - Due Diligence Vendor-02/XX/2025 | Resolved-Updated Compliance dates. Finding resolved. - Due Diligence Vendor-02/28/2025 <br>Resolved-Resolved - Due Diligence Vendor-02/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-28 18:10 | 2025-02-28 18:15 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Updated Compliance dates. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) in review - Due Diligence Vendor-02/XX/2025 | Resolved-Updated Compliance dates. Finding resolved. - Due Diligence Vendor-02/28/2025 <br>Resolved-Resolved - Due Diligence Vendor-02/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-21 04:02 | 2025-02-28 18:10 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | Texas - Days Used For Interest Calculation | Resolved-Updated days used for interest calculation. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Open-in review. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Was told the refund was all we needed to clear this file - Buyer-02/XX/2025 <br> Open-The XXXX Credit Title - Regulated Loans Provisions require a 365-day year for interest calculations. XXXX State specific finding. - Due Diligence Vendor-02/XX/2025 | Resolved-Updated days used for interest calculation. Finding resolved. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-21 04:02 | 2025-02-28 17:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC added for fee increases. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Resolved- - Due Diligence Vendor-02/XX/2025 <br> Open-A Lender Credit for Excess Charges of (XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of ($3,518.10) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. in review. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-02/XX/2025 <br> Ready for Review-Document Uploaded. Lender credit for XXXX covers this, please clear this file - Seller-02/XX/2025 <br> Open-A Lender Credit for Excess Charges of (XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-02/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of XXXX between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. open - Due Diligence Vendor-02/XX/2025 | Resolved-COC added for fee increases. Finding resolved. - Due Diligence Vendor-02/28/2025 <br>Resolved- - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-21 04:02 | 2025-02-28 17:51 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Settlement or Closing Fee (Fee ID: 51) | Resolved-Lender provided PC CD removing fees not allowed. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Refund to borrower, PCCD, check etc - Seller-02/XX/2025 <br> Open-The XXXX does not allow Settlement or Closing Fee (Fee ID: 51) to be charged to the Borrower in XXXX. State specific finding. - Due Diligence Vendor-02/XX/2025 | Resolved-Lender provided PC CD removing fees not allowed. Finding resolved. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-21 04:02 | 2025-02-28 17:51 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Tax Cert (Fee ID: 998) | Resolved-Lender provided PC CD removing fees not allowed. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Refund to borrower, PCCD, check etc - Seller-02/XX/2025 <br> Open-The XXXX does not allow Tax Cert (Fee ID: 998) to be charged to the Borrower in XXXX. State specific finding. - Due Diligence Vendor-02/XX/2025 | Resolved-Lender provided PC CD removing fees not allowed. Finding resolved. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-21 04:02 | 2025-02-28 17:51 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-Lender provided PC CD removing fees not allowed. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Refund to borrower, PCCD, check etc - Buyer-02/XX/2025 <br> Open-The XXXX does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in XXXX. State specific finding. - Due Diligence Vendor-02/XX/2025 | Resolved-Lender provided PC CD removing fees not allowed. Finding resolved. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-21 04:02 | 2025-02-28 17:51 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Attorney's Fees (Fee ID: 57) | Resolved-Lender provided PC CD removing fees not allowed. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Refund to borrower, PCCD, check etc - Seller-02/XX/2025 <br> Open-The XXXX does not allow Attorney's Fees (Fee ID: 57) to be charged to the Borrower in XXXX. State specific finding. - Due Diligence Vendor-02/XX/2025 | Resolved-Lender provided PC CD removing fees not allowed. Finding resolved. - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986205 |  |  | Closed | 2025-02-12 12:20 | 2025-02-21 04:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided Initial CD. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file.<br> - Due Diligence Vendor-02/XX/2025 | Resolved-Lender provided Initial CD. Finding resolved. - Due Diligence Vendor-02/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5009055 |  |  | Closed | 2025-02-16 10:34 | 2025-02-26 21:24 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-02/XX/2025 <br>Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-02/XX/2025 <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. the Initial Business Purpose Affidavit Disclosure Indicator Missing in file. - Due Diligence Vendor-02/XX/2025 | Acknowledged-BPL EV2 - Due Diligence Vendor-02/26/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 5009055 |  |  | Closed | 2025-02-16 10:39 | 2025-02-26 20:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-02/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Discount points increased on the final CD however there was not a valid COC in the file. - Due Diligence Vendor-02/XX/2025 | Resolved-Resolved - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5009055 |  |  | Closed | 2025-02-16 08:21 | 2025-02-25 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Resolved as requested UDM Provided for gap credit report. - Due Diligence Vendor-02/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/XX/2025 | Resolved-Resolved as requested UDM Provided for gap credit report. - Due Diligence Vendor-02/25/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5009015 |  |  | Closed | 2025-02-18 10:30 | 2025-02-25 08:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Resolved as requested UDM Provided for gap credit report.<br> - Due Diligence Vendor-02/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing in the file . Provide GAP report for B1. - Due Diligence Vendor-02/XX/2025 | Resolved-Resolved as requested UDM Provided for gap credit report.<br> - Due Diligence Vendor-02/25/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5009015 |  |  | Closed | 2025-02-18 13:02 | 2025-02-24 14:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/XX/2025 <br>Open-Evidence of Rate Lock Missing Loan Qualified with alt doc where as provided rate lock showing full doc. Provide updated rate lock disclosure. - Due Diligence Vendor-02/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5009015 |  |  | Closed | 2025-02-18 12:37 | 2025-02-24 10:44 | Resolved | 1 - Information C A | Property | Data | Property State does not meet eligibility requirement(s) | Resolved-Resolved as XXXX is no more part of ineligible states. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-This is an investment. Please Rescind - Buyer-02/XX/2025 <br> Open-Property State does not meet eligibility requirement(s) - Due Diligence Vendor-02/XX/2025 | Resolved-Resolved as XXXX is no more part of ineligible states. - Due Diligence Vendor-02/24/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4986036 |  |  | Closed | 2025-02-16 10:10 | 2025-04-21 17:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-<br> The loan meets 2nd lien HPML guidelines. - Due Diligence Vendor-04/XX/2025 <br>Rescinded- - Due Diligence Vendor-03/XX/2025 <br>Rescinded-The loan's (10.767%) APR equals or exceeds the Federal HPML threshold of (9.91%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.41%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 339. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 399, and copy of the appraisal was given to the borrower – see Pg#'s 18 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower is MISSING. The loan does not meets HPML guidelines - Due Diligence Vendor-02/XX/2025 | Resolved-<br> The loan meets 2nd lien HPML guidelines. - Due Diligence Vendor-04/21/2025 <br>Rescinded-The loan's (10.767%) APR equals or exceeds the Federal HPML threshold of (9.91%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.41%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 339. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 399, and copy of the appraisal was given to the borrower – see Pg#'s 18 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower is MISSING. The loan does not meets HPML guidelines - Due Diligence Vendor-02/16/2025<br>|  |  | The loan meets HPML guidelines (interior appraisal performed) | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5010951 |  |  | Closed | 2025-02-26 14:46 | 2025-03-05 12:44 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed provided - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. document is attached. - Buyer-03/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence - Due Diligence Vendor-02/XX/2025 | Resolved-Intent to Proceed provided - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5003474 |  |  | Closed | 2025-02-26 15:47 | 2025-03-07 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Per guidelines a copy of the borrower's passport and unexpired visa must be obtained. An I-797 form and I-94 form was not provided. EAD provided expires in less than 6 months of application. a letter from the employer documenting the borrower's continued employment and continued visa renewal sponsorship (employer on the loan application must be the same as on the unexpired visa was not provided. - Due Diligence Vendor-02/XX/2025 | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5003474 |  |  | Closed | 2025-02-26 15:27 | 2025-03-07 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing benefit to Borrower form | Resolved- - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/06/2025 <br>Open- - Due Diligence Vendor-02/26/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5003474 |  |  | Closed | 2025-02-26 15:27 | 2025-03-07 12:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note | Resolved-First lien supported by mortgage statement and credit report - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-This is NOT needed. We can reference the mortgage statement, credit report and title for any info needed. Please clear this. - Buyer-03/XX/2025 <br>Counter-The note attached is for this 2nd lien transaction however still missing 1st lien note in file. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-Per guidelines for senior liens, a copy of the 1s lien note and Deed of Trust is required and missing in file - Due Diligence Vendor-02/XX/2025 | Resolved-First lien supported by mortgage statement and credit report - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452508 |  |  | Closed | 2025-02-24 12:07 | 2025-03-03 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved as requested 3rd Party VOE Provided. - Due Diligence Vendor-03/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 business days of closing<br> - Due Diligence Vendor-02/XX/2025 | Resolved-Resolved as requested 3rd Party VOE Provided. - Due Diligence Vendor-03/03/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452508 |  |  | Closed | 2025-02-24 14:04 | 2025-03-07 19:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines, finding resolved. - Due Diligence Vendor-03/XX/2025 <br>Resolved-The loan's (11.924%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 777 and the Final Closing disclosure on Pg#'s 322, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 643 . An interior and exterior appraisal was completed for this property – see pg 43-70, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 639, 802, and confirmation the appraisal was delivered to the borrower – see Pg#'s42. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/XX/2025 | Resolved-The loan meets HPML guidelines, finding resolved. - Due Diligence Vendor-03/07/2025 <br>Resolved-The loan's (11.924%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 777 and the Final Closing disclosure on Pg#'s 322, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 643 . An interior and exterior appraisal was completed for this property – see pg 43-70, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 639, 802, and confirmation the appraisal was delivered to the borrower – see Pg#'s42. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/24/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452509 |  |  | Closed | 2025-03-06 13:53 | 2025-03-12 13:04 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-. - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Please see PCCD and GFE-No cure is needed here - Buyer-XXXX <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($15.00) were applied to the total fee variance of ($27.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/XX/2025 | Resolved-. - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452509 |  |  | Closed | 2025-02-25 13:08 | 2025-03-06 13:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/04/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial CD. - Due Diligence Vendor-02/25/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452509 |  |  | Closed | 2025-02-25 09:44 | 2025-03-05 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. vvoe - Seller-03/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close Missing in the file please provide - Due Diligence Vendor-02/25/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452509 |  |  | Closed | 2025-03-06 13:53 | 2025-03-12 13:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-03/XX/2025 <br>Resolved-The loan's (10.458%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end 2nd and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 361__ An interior and exterior appraisal was completed for this property – see pg __18__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_400__ , and copy of the appraisal was given to the borrower – see Pg#'s __57___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/XX/2025 | Resolved-. - Due Diligence Vendor-03/12/2025 <br>Resolved-The loan's (10.458%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end 2nd and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 361__ An interior and exterior appraisal was completed for this property – see pg __18__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_400__ , and copy of the appraisal was given to the borrower – see Pg#'s __57___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/06/2025<br>|  |  | . | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452509 |  |  | Closed | 2025-03-06 13:53 | 2025-03-12 13:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Oklahoma - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-. - Due Diligence Vendor-03/XX/2025 <br> Resolved-This is an XXXX (HPML). The loan's APR of (10.458%) equals or exceeds the XXXX threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%). XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end 2nd and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 361__ An interior and exterior appraisal was completed for this property – see pg __18__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_400__ , and copy of the appraisal was given to the borrower – see Pg#'s __57___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/XX/2025 | Resolved-. - Due Diligence Vendor-03/12/2025 <br>Resolved-This is an XXXX (HPML). The loan's APR of (10.458%) equals or exceeds the XXXX threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%). XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end 2nd and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 361__ An interior and exterior appraisal was completed for this property – see pg __18__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_400__ , and copy of the appraisal was given to the borrower – see Pg#'s __57___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/06/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452509 |  |  | Closed | 2025-03-06 13:53 | 2025-03-12 13:04 | Resolved | 1 - Information A | Compliance | Predatory:DocType | Oklahoma - Documentation Warning (HPML) | Resolved-. - Due Diligence Vendor-03/XX/2025 <br> Resolved-This is an XXXX. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in 12 CFR 1026.34(a)(4) as incorporated by the XXXX, should be applied to determine a lender's compliance with this requirement. XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end 2nd and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 361__ An interior and exterior appraisal was completed for this property – see pg __18__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_400__ , and copy of the appraisal was given to the borrower – see Pg#'s __57___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/XX/2025 | Resolved-. - Due Diligence Vendor-03/12/2025 <br>Resolved-This is an XXXX. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in 12 CFR 1026.34(a)(4) as incorporated by the XXXX, should be applied to determine a lender's compliance with this requirement. XXXX TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end 2nd and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 361__ An interior and exterior appraisal was completed for this property – see pg __18__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_400__ , and copy of the appraisal was given to the borrower – see Pg#'s __57___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/06/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5452506 |  |  | Closed | 2025-02-26 11:21 | 2025-02-27 23:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.913%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 247. An interior and exterior appraisal was completed for this property – see pg 19, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 238. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/XX/2025 | Resolved-The loan's (11.913%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 247. An interior and exterior appraisal was completed for this property – see pg 19, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 238. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/26/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021449 |  |  | Closed | 2025-02-26 07:05 | 2025-04-21 22:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets 2nd lien HPML guidelines. - Due Diligence Vendor-04/XX/2025 <br>Rescinded-The loan's (11.036%) APR equals or exceeds the Federal HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(iii)) Escrow not required on 2nd lien loan. Finding rescinded. - Due Diligence Vendor-02/XX/2025 | Resolved-The loan meets 2nd lien HPML guidelines. - Due Diligence Vendor-04/21/2025 <br>Rescinded-The loan's (11.036%) APR equals or exceeds the Federal HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(iii)) Escrow not required on 2nd lien loan. Finding rescinded. - Due Diligence Vendor-02/26/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021449 |  |  | Closed | 2025-02-26 05:57 | 2025-03-07 11:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs for 1 month provided. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-02/XX/2025 | Resolved-Borrower 1 Paystubs for 1 month provided. - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021449 |  |  | Closed | 2025-02-26 06:30 | 2025-03-04 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Updated Mortgage statement uploaded , Current Mortgage balance of XXXX = CLTV 84.999%, Audited CLTV of 85% is equal to Guideline CLTV of 85%, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/XX/2025 <br> Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Current Mortgage balance of XXXX = CLTV 84.999%. - Seller-03/XX/2025 <br> Open-Audited CLTV of 85.11% exceeds Guideline CLTV of 85% Confirmed verified CLTV and HCLTV is 85.11% however maximum CLTV as per GL is 85% - Due Diligence Vendor-02/XX/2025 | Resolved-Updated Mortgage statement uploaded , Current Mortgage balance of XXXX = CLTV 84.999%, Audited CLTV of 85% is equal to Guideline CLTV of 85%, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025 <br> Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-03/04/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021449 |  |  | Closed | 2025-02-26 05:57 | 2025-03-04 08:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Resolved-Business Tax return for recent complete year provided, Verified - Resolved - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-2024 Taxes have not been filed yet. only the most recent complete year is required, with XXXX being the most recent with tax return completed. - Buyer-03/XX/2025 <br> Open-Borrower 1 Business Tax Returns Less Than 24 Months Provided - Due Diligence Vendor-02/XX/2025 | Resolved-Business Tax return for recent complete year provided, Verified - Resolved - Due Diligence Vendor-03/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021449 |  |  | Closed | 2025-02-26 03:56 | 2025-03-03 23:48 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-Borrower 1 Ethnicity Selection is Not Provided - Due Diligence Vendor-02/XX/2025 | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021449 |  |  | Closed | 2025-02-26 03:56 | 2025-03-03 23:48 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-Borrower 1 Race Selection is Not Provided - Due Diligence Vendor-02/XX/2025 | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453445 |  |  | Closed | 2025-03-06 23:17 | 2025-03-12 13:47 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Executed XXXX provide, resolved. - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. intent to proceed - Buyer-03/XX/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-03/XX/2025 | Resolved-Executed ITP provide, resolved. - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453445 |  |  | Closed | 2025-03-06 23:11 | 2025-03-12 13:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-03/XX/2025 <br> Open-This loan failed the charges that cannot increase test due to the points fee added to the initial CD issued on XXXX. Missing COC form. - Due Diligence Vendor-03/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($75.00) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/XX/2025 | Resolved-Resolved - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453445 |  |  | Closed | 2025-03-06 23:25 | 2025-03-12 13:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Rate lock LE provided and updated to TRID header page, resolved. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-03/XX/2025 <br>Open-Initial LE is not locked. Please advise if rate lock LE was issued and please provide it. - Due Diligence Vendor-03/XX/2025 | Resolved-Rate lock LE provided and updated to TRID header page, resolved. - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4998994 |  |  | Closed | 2025-03-03 12:23 | 2025-03-11 22:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Received the COC - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Copies of COC and LE - Seller-03/XX/2025 <br> Open-Loan point on Section A was increased from initial LE amount XXXX to Final CD amount XXXX but COC is missing in the file<br> - Due Diligence Vendor-03/XX/2025 | Resolved-Received the COC - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4998994 |  |  | Closed | 2025-03-03 12:22 | 2025-03-11 22:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the Initial CD - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in the file - Due Diligence Vendor-03/XX/2025 | Resolved-Received the Initial CD - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4998994 |  |  | Closed | 2025-03-11 22:20 | 2025-03-11 22:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-03/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($508.45) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/XX/2025 | Resolved-Resolved - Due Diligence Vendor-03/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4998994 |  |  | Closed | 2025-03-03 11:44 | 2025-03-11 22:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-03/XX/2025 <br> Resolved-the XXXX matrix shows the maximum loan amount is $XXXX - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Max guidelines allow for this loan amount - Buyer-03/XX/2025 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX Per Matrix XXXX, Max Loan amount is $XXXX but Note is file is for $XXXX. - Due Diligence Vendor-03/XX/2025 | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-03/11/2025 <br> Resolved-theXXXX matrix shows the maximum loan amount is $XXXX - Due Diligence Vendor-03/11/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4998994 |  |  | Closed | 2025-03-03 12:35 | 2025-03-11 22:01 | Resolved | 1 - Information C A | Credit | Credit | Cash out funds exceed guideline requirement. | Resolved-the equity advantage dated XXXX shows the maximum cash out is $XXXX - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Current matrices show max cash out is $XXXX - Buyer-03/XX/2025 <br> Open-XXXX, Max Cash out amount is $XXXX but file has $XXXX. - Due Diligence Vendor-03/XX/2025 | Resolved-the equity advantage dated XXXX shows the maximum cash out is $XXXX - Due Diligence Vendor-03/11/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4998994 |  |  | Closed | 2025-03-03 10:57 | 2025-03-10 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 business days of closing<br> - Due Diligence Vendor-03/03/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 4998994 |  |  | Closed | 2025-03-03 10:34 | 2025-03-10 09:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount 2nd Lien file with loan amount is more than $XX, Required full Title Policy with expanded coverage insuring the second lien amount of $XXXX is required. - Due Diligence Vendor-03/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/10/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021475 |  |  | Closed | 2025-03-04 13:01 | 2025-03-25 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculation Sheet Provided hence resolved. - Due Diligence Vendor-03/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. updated income worksheet attached. - Seller-03/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided worksheet on page #324 does not match with the deposits and account number provided from TD bank in file. - Due Diligence Vendor-03/XX/2025 | Resolved-Requested Income Calculation Sheet Provided hence resolved. - Due Diligence Vendor-03/25/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021475 |  |  | Closed | 2025-03-04 13:01 | 2025-03-25 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE Provided, hence resolved.<br> - Due Diligence Vendor-03/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE - Due Diligence Vendor-03/XX/2025 | Resolved-Requested 3rd Party VOE Provided, hence resolved.<br> - Due Diligence Vendor-03/07/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021475 |  |  | Closed | 2025-03-04 13:01 | 2025-03-25 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close provided. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE - Due Diligence Vendor-03/XX/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/07/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close provided. - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021475 |  |  | Closed | 2025-03-11 13:41 | 2025-03-11 13:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-03/XX/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure (XXXX) has increased by more than 10% over the current baseline value of (XXXX). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Comment in LM - Due Diligence Vendor-03/XX/2025 | Resolved- - Due Diligence Vendor-03/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021475 |  |  | Closed | 2025-03-11 13:41 | 2025-03-11 13:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-03/XX/2025 <br> Open-The total amount of the 10% category fees (XXXX) has increased by more than 10% over the current baseline value of (XXXX). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Comment in XXXX - Due Diligence Vendor-03/XX/2025 | Resolved- - Due Diligence Vendor-03/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5021475 |  |  | Closed | 2025-03-04 14:16 | 2025-03-11 13:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Please see XXXX as this is fine. No rquired cure and change was under the 10% - Seller-03/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Title Endorsement Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Endorsement Fee PA 1030 increased from $100 on the initial LE to $150 on the final CD. The file did not contain a change of circumstance or Lender Credit for the difference. - Due Diligence Vendor-03/XX/2025 | Resolved- - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453443 |  |  | Closed | 2025-03-06 05:48 | 2025-03-12 01:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide income calc worksheet for Schedule C. - Due Diligence Vendor-03/XX/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5453443 |  |  | Closed | 2025-03-06 07:12 | 2025-03-11 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement provided. Resolved - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-Provide 1st lien Note Doc or subordination agreement. - Due Diligence Vendor-03/XX/2025 | Resolved-Mortgage statement provided. Resolved - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5453443 |  |  | Closed | 2025-03-06 04:41 | 2025-03-11 11:49 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Updated 1003 with demographic info provided. Resolved - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Missing ethnicity selection - Due Diligence Vendor-03/XX/2025 | Resolved-Updated 1003 with demographic info provided. Resolved - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5453443 |  |  | Closed | 2025-03-06 04:41 | 2025-03-11 11:48 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Updated 1003 with demographic info provided. Resolved - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Borrower 1 Race Selection is Not Provided Provide demographic information - Due Diligence Vendor-03/XX/2025 | Resolved-Updated 1003 with demographic info provided. Resolved - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5453443 |  |  | Closed | 2025-03-06 04:41 | 2025-03-11 11:48 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Race Selection is Not Provided | Resolved-Updated 1003 with demographic info provided. Resolved - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-Borrower 2 Race Selection is Not Provided Provide demographic information - Due Diligence Vendor-03/XX/2025 | Resolved-Updated 1003 with demographic info provided. Resolved - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5009053 |  |  | Closed | 2025-03-04 11:47 | 2025-03-25 18:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-ICD dated 2/XX/2025 entered into LM<br> - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. ICD uploaded - Buyer-03/XX/2025 <br>Counter-This package did not contain the ICD and any applicable COC's. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. ICD uploaded for review - Buyer-03/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the Mavent. - Due Diligence Vendor-03/XX/2025 | Resolved-ICD dated 2/19/2025 entered into LM<br> - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5009053 |  |  | Closed | 2025-03-25 18:15 | 2025-03-25 18:18 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Resolved - Due Diligence Vendor-03/XX/2025 <br>Open-There are ($895.00) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) Comment in LM - Due Diligence Vendor-03/XX/2025 | Resolved-Resolved - Due Diligence Vendor-03/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5010299 |  |  | Closed | 2025-03-13 23:03 | 2025-03-20 18:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Cure attached - Seller-03/XX/2025 <br> Counter-Revised CD with issue date of XXXX was added to loan review. However, the COC form issued XXXX cannot clear the tolerance fail because the final inspection fee was added to the final CD more than 3 business days later on XXXX. - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. COC CD - Seller-03/XX/2025 <br> Open-This loan failed the charges that cannot increase test due to the final inspection fee that was added to the final CD. There is no evidence of reimbursement in the file. Missing valid COC form. To cure please provide PCCD, evidence of refund check and proof of delivery. - Due Diligence Vendor-03/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-03/XX/2025 | Resolved- - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5010299 |  |  | Closed | 2025-03-05 14:05 | 2025-03-17 18:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Document Uploaded. COC - Seller-03/XX/2025 <br>Resolved-Initial CD provided and updated to TRID header page, resolved. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. Hence didn't run Mavent. - Due Diligence Vendor-03/XX/2025 | Resolved-Document Uploaded. COC - Seller-03/17/2025 <br>Resolved-Initial CD provided and updated to TRID header page, resolved. - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5010299 |  |  | Closed | 2025-03-05 10:40 | 2025-03-13 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided.<br> - Due Diligence Vendor-03/XX/2025 <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Business search - Seller-03/XX/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Data is missing in provided XXXX search page #XXXX. Provide VOE within 10 days from closing. - Due Diligence Vendor-03/XX/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided.<br> - Due Diligence Vendor-03/13/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5010299 |  |  | Closed | 2025-03-05 10:40 | 2025-03-13 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Business search - Seller-03/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Data is missing in provided google search page #XXXX. Provide VOE within 10 days from closing. - Due Diligence Vendor-03/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471318 |  |  | Closed | 2025-03-10 16:07 | 2025-03-10 16:07 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Waived-The loan's (11.576%) APR equals or exceeds the XXXX junior lien threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.4%).XXXX Per External Counsel appropriate to Waive as a B grade. - Due Diligence Vendor-03/XX/2025 | Waived-The loan's (11.576%) APR equals or exceeds the XXXX junior lien threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.4%).XXXX Per External Counsel appropriate to Waive as a B grade. - Due Diligence Vendor-03/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | No |
| XXXX | 5471318 |  |  | Closed | 2025-03-07 09:09 | 2025-03-10 16:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.576%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. File escrowed pg no 309. Rate lock date was entered correctly – see Pg 301 An interior and exterior appraisal was completed for this property – see pg 35, ECOA Appraisal Disclosure provided on page 34, LE on page 288 and the copy of appraisal sent to borrower confirmation page 34, 224. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/XX/2025 | Resolved-The loan's (11.576%) APR equals or exceeds the Federal HPML threshold of (9.9%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.4%).(12 CFR 1026.35(a)(1)(iii)) The loan's (10.692%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. File escrowed pg no 309. Rate lock date was entered correctly – see Pg 301 An interior and exterior appraisal was completed for this property – see pg 35, ECOA Appraisal Disclosure provided on page 34, LE on page 288 and the copy of appraisal sent to borrower confirmation page 34, 224. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-03/07/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453450 |  |  | Closed | 2025-03-10 06:11 | 2025-03-17 13:55 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-Exterior only appraisal - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-Missing appraisal in file - Due Diligence Vendor-03/XX/2025 | Resolved-Exterior only appraisal - Due Diligence Vendor-03/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453450 |  |  | Closed | 2025-03-10 04:04 | 2025-03-17 13:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-03/XX/2025 | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453456 |  |  | Closed | 2025-03-17 04:38 | 2025-03-21 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM from Fraud report attached that is within the 10 Business days from closing, hence resolved.<br> - Due Diligence Vendor-03/XX/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-fraud report shows undisclosed debt monitoring until 6/XX/2025 - Seller-03/XX/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-03/XX/2025 | Resolved-Requested UDM from Fraud report attached that is within the 10 Business days from closing, hence resolved.<br> - Due Diligence Vendor-03/21/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453456 |  |  | Closed | 2025-03-17 04:38 | 2025-03-21 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM from Fraud report attached that is within the 10 Business days from closing, hence resolved.<br> - Due Diligence Vendor-03/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. fraud report shows undisclosed debt monitoring is in place until 6/XX/2025 - Seller-03/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/XX/2025 | Resolved-Requested UDM from Fraud report attached that is within the 10 Business days from closing, hence resolved.<br> - Due Diligence Vendor-03/21/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453456 |  |  | Closed | 2025-03-14 13:17 | 2025-03-21 09:48 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Lien Position is 2, Qualifying loan amount is less than XXXX) hence the documentation that we have in file is sufficient for Appraisal requirements, they are AVM on page XXXX & Inspection report on page XXXX, we do not require appraisal. - Due Diligence Vendor-03/XX/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. appraisal attached. - Buyer-03/XX/2025 <br> Open-Appraisal is Missing - Due Diligence Vendor-03/XX/2025 | Resolved-Lien Position is 2, Qualifying loan amount is less than $XXXX XXXX hence the documentation that we have in file is sufficient for Appraisal requirements, they are AVM on page #XXXX & Inspection report on page #XXXX, we do not require appraisal. - Due Diligence Vendor-03/21/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/21/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453459 |  |  | Closed | 2025-03-20 19:26 | 2025-03-25 20:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/XX/2025 <br>Resolved-VOE Provided, Resolved - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Bus search - Buyer-03/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing The 3rd Party VOE within 10 days of closing is missing. - Due Diligence Vendor-03/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/25/2025 <br>Resolved-VOE Provided, Resolved - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5453459 |  |  | Closed | 2025-03-17 10:43 | 2025-03-24 08:39 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 document with corrected FICO uploaded, Qualifying FICO on the 1008 Page matches Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-03/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. See correct 1008 - Buyer-03/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per Matrix, the Qualifying FICO method: Mid score of primary wage earner. B1 is the primary wage earner with a mid-score of XXXX. The 1008 reflects B2's mid-score of XXXX but no income was verified for B2. - Due Diligence Vendor-03/XX/2025 | Resolved-Updated 1008 document with corrected FICO uploaded, Qualifying FICO on the 1008 Page matches Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-03/24/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5008995 |  |  | Closed | 2025-03-18 06:39 | 2025-03-24 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. fraud attached. - Buyer-03/XX/2025 <br>Open-Missing Third Party Fraud Report. Provide fraud report - Due Diligence Vendor-03/XX/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149947 |  |  | Closed | 2025-03-27 13:49 | 2025-04-01 12:45 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved-PC XXXX is passing resolved. - Due Diligence Vendor-04/XX/2025 <br> Rescinded- - Due Diligence Vendor-04/XX/2025 <br> Rescinded- - Due Diligence Vendor-04/XX/2025 <br> Rescinded- - Due Diligence Vendor-04/XX/2025 <br> Rescinded-Duplicate finding rescinded. - Due Diligence Vendor-03/XX/2025 <br> Open-The total amount of the 10% category fees (XXXX) has increased by more than 10% over the current baseline value of ($1,777.00). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Recording Fees – Mortgage/Deed of Trust, Document Preparation Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-03/XX/2025 | Resolved-PC XXXX is passing resolved. - Due Diligence Vendor-04/01/2025 <br> Rescinded-Duplicate finding rescinded. - Due Diligence Vendor-03/27/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149947 |  |  | Closed | 2025-03-27 13:49 | 2025-04-01 12:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-PC XXXX is passing, resolved. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-03/XX/2025 <br> Open-Missing COC form for recording fee that increased when the initial CD was issued. - Due Diligence Vendor-03/XX/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure (XXXX) has increased by more than 10% over the current baseline value of ($1,777.00). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy, Recording Fees – Mortgage/Deed of Trust, Document Preparation Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-03/XX/2025 | Resolved-PC XXXX is passing, resolved. - Due Diligence Vendor-04/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149947 |  |  | Closed | 2025-03-18 12:15 | 2025-03-27 14:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD updated to review. Resolved. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. ICD attached. - Seller-03/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial CD. - Due Diligence Vendor-03/XX/2025 | Resolved-Initial CD updated to review. Resolved. - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5149947 |  |  | Closed | 2025-03-27 13:49 | 2025-03-27 13:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-03/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Lender's Title Policy, Document Preparation Fee, Title Endorsement Fee, Title Endorsement Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-03/XX/2025 | Resolved- - Due Diligence Vendor-03/27/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429469 |  |  | Closed | 2025-03-25 12:24 | 2025-04-02 07:07 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. Gap Report uploaded for review. - Buyer-04/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide gap report with in 10 business days from closing. - Due Diligence Vendor-03/XX/2025 | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429469 |  |  | Closed | 2025-03-25 11:40 | 2025-04-02 07:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. VOE uploaded for review. - Buyer-04/01/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE. - Due Diligence Vendor-03/25/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429509 |  |  | Closed | 2025-04-10 15:12 | 2025-04-16 17:37 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-GAP Credit Report Provided, Resolved. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. DRIVE Report with DM uploaded for review. - Buyer-04/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired - Due Diligence Vendor-04/XX/2025 | Resolved-GAP Credit Report Provided, Resolved. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429509 |  |  | Closed | 2025-04-10 15:12 | 2025-04-16 17:37 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-GAP Credit Report Provided, Resolved. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. DRIVE Report with DM uploaded for review. - Seller-04/XX/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired - Due Diligence Vendor-04/XX/2025 | Resolved-GAP Credit Report Provided, Resolved. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429509 |  |  | Closed | 2025-04-10 14:48 | 2025-04-16 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet not required for Full Doc income. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Not a bank statement loan. Full doc loan using paystubs and W-2s, no income worksheet required. - Buyer-04/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet is missing for both borrowers. - Due Diligence Vendor-04/XX/2025 | Resolved-Income worksheet not required for Full Doc income. - Due Diligence Vendor-04/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429509 |  |  | Closed | 2025-04-10 15:57 | 2025-04-10 16:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.662%) APR equals or exceeds the Federal HPML threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s 248 An interior and exterior appraisal was completed for this property – see pg 425 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 425, and copy of the appraisal was given to the borrower – see Pg#'s 242 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/XX/2025 | Resolved-The loan's (11.662%) APR equals or exceeds the Federal HPML threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s 248 An interior and exterior appraisal was completed for this property – see pg 425 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 425, and copy of the appraisal was given to the borrower – see Pg#'s 242 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429454 |  |  | Closed | 2025-04-11 12:12 | 2025-04-21 13:57 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Initial LE provided - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. Initial LE sent on XXXX which is the same day as initial application attached here - Buyer-04/XX/2025 <br> Open-The Initial Loan Estimate Disclosure Date XXXX) is more than 3 business days from the Application Date XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) Missing initial LE within 3 business days from XXXX in file - Due Diligence Vendor-04/XX/2025 | Resolved-Initial LE provided - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429454 |  |  | Closed | 2025-04-15 15:16 | 2025-04-21 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE within 10 business days is missing for XXX - Due Diligence Vendor-04/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429454 |  |  | Closed | 2025-04-11 12:12 | 2025-04-21 13:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved- re-ran Mavent - Due Diligence Vendor-04/XX/2025 <br>Resolved-The loan's (12.058%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) .This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 116 and the Final Closing disclosure on Pg#'s 116 reflects escrows. Rate lock date was entered correctly – see Pg#'s 307 An interior and exterior appraisal was completed for this property – see pg 15-66 , the appraisal disclosure was provided to the borrower(s)- see Pg#'14, and copy of the appraisal was given to the borrower – see Pg#'s 17 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/XX/2025 | Resolved-Resolved- re-ran Mavent - Due Diligence Vendor-04/21/2025 <br>Resolved-The loan's (12.058%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) .This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 116 and the Final Closing disclosure on Pg#'s 116 reflects escrows. Rate lock date was entered correctly – see Pg#'s 307 An interior and exterior appraisal was completed for this property – see pg 15-66 , the appraisal disclosure was provided to the borrower(s)- see Pg#'14, and copy of the appraisal was given to the borrower – see Pg#'s 17 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5429472 |  |  | Closed | 2025-04-12 05:46 | 2025-04-16 16:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.649%) APR equals or exceeds the Federal HPML threshold of (10.35%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 528.An interior and exterior appraisal was completed for this property – see pg 125 , the appraisal disclosure was provided to the borrower(s)- see Pg#'518, and copy of the appraisal was given to the borrower – see Pg#'s 113 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/XX/2025 | Resolved-The loan's (10.649%) APR equals or exceeds the Federal HPML threshold of (10.35%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 528.An interior and exterior appraisal was completed for this property – see pg 125 , the appraisal disclosure was provided to the borrower(s)- see Pg#'518, and copy of the appraisal was given to the borrower – see Pg#'s 113 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/12/2025<br>|  |  | Requirements of HPML have been met. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471324 |  |  | Closed | 2025-04-17 18:26 | 2025-04-28 15:16 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-Missing origination BPA, final BPA in file. Lender acknowledges as immaterial as property is NOO - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Only ONE of these is rquired unless it is DSCR and this is NOT DSCR. I have confirmed this with our compliance team. Please clear this. - Buyer-04/XX/2025 <br>Counter-Missing the BPA from origination. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. This is an investment property- 1008 is attached and correct, one business purpose affidavit form is required and is attached - Buyer-04/XX/2025 <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The Business Purpose Affidavit from origination is missing from the file. - Due Diligence Vendor-04/XX/2025 | Acknowledged-Missing origination BPA, final BPA in file. Lender acknowledges as immaterial as property is NOO - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | 5471324 |  |  | Closed | 2025-04-15 12:19 | 2025-04-21 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Mortgage statements attached for senior or subordinate lien hence resolved. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. Use the credit report and mortgage statement to complete your info-we do not rquire the legal documents - Buyer-04/XX/2025 <br>Open-Missing legal documents for senior or subordinate lien. - Due Diligence Vendor-04/XX/2025 | Resolved-Requested Mortgage statements attached for senior or subordinate lien hence resolved. - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471339 |  |  | Closed | 2025-04-17 09:48 | 2025-04-24 21:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close provided. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. attached - Seller-04/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/24/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close provided. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471339 |  |  | Closed | 2025-04-17 09:48 | 2025-04-24 21:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/XX/2025 <br>Resolved-VOE Provided, Resolved. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. attached - Seller-04/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/XX/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/24/2025 <br>Resolved-VOE Provided, Resolved. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471339 |  |  | Closed | 2025-04-22 17:07 | 2025-04-24 21:54 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Corrected 1008 Provided, Resolved. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. corrected 1008 attached - Seller-04/XX/2025 <br> Counter-The updates were made however the income amount was changed from $XXXX to $XXXX also. The total income is XXXX as verified from the income documentation provided and as confirmed on the UW Approval Certificate on p 369. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. 1008 attached. - Buyer-04/XX/2025 <br> Open-The 1008 document is missing from the loan file. The 1008 provided on p XXXX reflects an incorrect Loan Amount of XXXX, Proposed Monthly Payment, and ratios. The Exterior Appraisal in file reflects a value ofXXXX but the 1008 reflects a value of XXXX. The XXXX value is also reflected on the Final 1003 and Final CD. - Due Diligence Vendor-04/XX/2025 | Resolved-Corrected 1008 Provided, Resolved. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471339 |  |  | Closed | 2025-04-17 10:25 | 2025-04-24 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/XX/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. attached - Seller-04/XX/2025 <br>Open-Missing Third Party Fraud Report Third Party Fraud Report not Provided - Due Diligence Vendor-04/XX/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/24/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471339 |  |  | Closed | 2025-04-17 10:14 | 2025-04-24 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided.<br> - Due Diligence Vendor-04/XX/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-04/XX/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/XX/2025 | Resolved-Borrower 2 Gap Credit Report provided.<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471339 |  |  | Closed | 2025-04-17 10:14 | 2025-04-24 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-04/24/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. attached - Seller-04/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/17/2025 | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-04/24/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501781 |  |  | Closed | 2025-04-23 11:49 | 2025-05-06 08:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-05/XX/2025 <br> Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Document Uploaded. Please see the updated matrices for XXXX, reflecting the revision to a 75% LTV, as permitted. - Buyer-05/XX/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% As per Guideline CLTV is 70%, but the Audited CLTV of 75% it exceeds the guideline CLTV - Due Diligence Vendor-04/XX/2025 | Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-05/06/2025 <br>Resolved-Audited CLTV of 75% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471328 |  |  | Closed | 2025-04-24 08:55 | 2025-04-24 09:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 839. An interior and exterior appraisal was completed for this property – see pg 159, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1308, and copy of the appraisal was given to the borrower – see Pg#'s 141 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #1238. The loan meets HPML guidelines - Due Diligence Vendor-04/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 839. An interior and exterior appraisal was completed for this property – see pg 159, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1308, and copy of the appraisal was given to the borrower – see Pg#'s 141 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #1238. The loan meets HPML guidelines - Due Diligence Vendor-04/24/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471328 |  |  | Closed | 2025-04-24 08:55 | 2025-04-24 09:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.892%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 839. An interior and exterior appraisal was completed for this property – see pg 159, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1308, and copy of the appraisal was given to the borrower – see Pg#'s 141 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #1238. The loan meets HPML guidelines - Due Diligence Vendor-04/XX/2025 | Resolved-The loan's (11.892%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 839. An interior and exterior appraisal was completed for this property – see pg 159, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1308, and copy of the appraisal was given to the borrower – see Pg#'s 141 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #1238. The loan meets HPML guidelines - Due Diligence Vendor-04/24/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471344 |  |  | Closed | 2025-04-28 19:22 | 2025-04-30 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Lender indicated loan approved under 1099 doc type with income calc on 1008. Condition resolved. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-We have 2 yrs of 1099's in the file for proof of 2 yrs employment history. See highlighted section. Also, there's no income worksheet calculation for 1099's. Income calculation is spelled out on the 1008. - Due Diligence Vendor-04/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Calculation Worksheet. - Due Diligence Vendor-04/XX/2025 |  |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471344 |  |  | Closed | 2025-04-25 11:30 | 2025-04-28 19:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.222%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#166 and the Final Closing disclosure on Pg# 68 reflects escrows. Rate lock date was entered correctly see Pg.'s 229 An interior and exterior appraisal was completed for this property – see pg. 20 the appraisal disclosure was provided to the borrower(s)- see Pg#'20 and copy of the appraisal was given to the borrower see Pg# 20 for the copy of the disclosure, ECOA disclosure page no #224. The loan meets HPML guidelines." <br> - Due Diligence Vendor-04/XX/2025 | Resolved-The loan's (10.222%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#166 and the Final Closing disclosure on Pg# 68 reflects escrows. Rate lock date was entered correctly see Pg.'s 229 An interior and exterior appraisal was completed for this property – see pg. 20 the appraisal disclosure was provided to the borrower(s)- see Pg#'20 and copy of the appraisal was given to the borrower see Pg# 20 for the copy of the disclosure, ECOA disclosure page no #224. The loan meets HPML guidelines." <br> - Due Diligence Vendor-04/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501786 |  |  | Closed | 2025-04-29 03:16 | 2025-04-30 13:43 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Lender provided Property Condition Inspection. Condition resolved. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-AVM report - Due Diligence Vendor-04/XX/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Property Condition Inspection. - Due Diligence Vendor-04/XX/2025 | Resolved-Lender provided Property Condition Inspection. Condition resolved. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501787 |  |  | Closed | 2025-04-28 21:06 | 2025-04-30 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative not needed, provided entity documentation - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-LLC Docs - Business narrative not needed, provided entity documentation - Due Diligence Vendor-04/XX/2025 <br>Open-Business narrative is missing - Due Diligence Vendor-04/XX/2025 | Resolved-Business narrative not needed, provided entity documentation - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501787 |  |  | Closed | 2025-04-28 21:05 | 2025-04-30 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-LLC Docs - No CPA needed, provided entity documentation - Due Diligence Vendor-04/XX/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-04/XX/2025 | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501787 |  |  | Closed | 2025-04-25 11:06 | 2025-04-30 12:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Lock Confirmation - Due Diligence Vendor-04/XX/2025 <br>Open-Evidence of Rate Lock Missing Provide Lock Confirmation doc. - Due Diligence Vendor-04/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501787 |  |  | Closed | 2025-04-25 08:47 | 2025-04-30 10:06 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Requested LLC Documents provided from which we can confirm borrower is the only Owner of LLC hence resolved. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-LLC documentation. Borrower is only owner - Due Diligence Vendor-04/XX/2025 <br>Open-Provide either Corporation/LLC: Operating Agreement Documentation or Business Narrative to determine the borrower ownership % in the business. - Due Diligence Vendor-04/XX/2025 | Resolved-Requested LLC Documents provided from which we can confirm borrower is the only Owner of LLC hence resolved. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471345 |  |  | Closed | 2025-04-25 13:16 | 2025-04-30 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Mortgage statement Provided for 1st lien hence resolved. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Credit report and mortgage statements to waive clear condition - Due Diligence Vendor-04/XX/2025 <br>Open-Document Uploaded. please use mortgage statement and credit report to confirm 1st lien information. - Buyer-04/XX/2025 <br>Open-Previous Note, DOT/Other Deeds for senior lien is missing in file - Due Diligence Vendor-04/XX/2025 | Resolved-Requested Mortgage statement Provided for 1st lien hence resolved. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471346 |  |  | Closed | 2025-04-25 10:41 | 2025-05-09 23:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE Provided within 30 days, Resolved. Borrower is self-employed, requirement is 30 days, not 10. - Due Diligence Vendor-05/XX/2025 <br> Counter-Document Uploaded. VOE attached. - Buyer-05/XX/2025 <br> Counter-The dates on the VVOE and Business Search provided is XXXX and the Note date is XXXX which is greater than 10 days. - Due Diligence Vendor-05/XX/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-VOE self, with in 30 days - Due Diligence Vendor-04/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-04/XX/2025 | Resolved-VOE Provided within 30 days, Resolved. Borrower is self-employed, requirement is 30 days, not 10. - Due Diligence Vendor-05/09/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471346 |  |  | Closed | 2025-04-25 12:02 | 2025-05-01 23:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-COC 3.7 - Due Diligence Vendor-04/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-04/XX/2025 | Resolved-Resolved - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471346 |  |  | Closed | 2025-04-29 15:22 | 2025-05-01 17:58 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3) | Resolved-Client provided a map showing the location of the subject property in the greater downtown XXXX area which was nowhere near the fires and they identified the areas affected by the fires on the map provided. Confirmed that the property is located far enough away from any of the fire sites (easily >10 miles from closest fire) and that we can resolve. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-seller rebuttal attached. - Due Diligence Vendor-04/XX/2025 <br> Open-Document Uploaded. seller rebuttal attached. - Buyer-04/XX/2025 <br> Open-Property potentially affected by FEMA Disaster XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-04/XX/2025 | Resolved-Client provided a map showing the location of the subject property in the greater downtown XXXX area which was nowhere near the fires and they identified the areas affected by the fires on the map provided. Confirmed that the property is located far enough away from any of the fire sites (easily >10 miles from closest fire) and that we can resolve. - Due Diligence Vendor-05/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471346 |  |  | Closed | 2025-04-29 15:22 | 2025-05-01 17:57 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (3) | Resolved-Client provided a map showing the location of the subject property in the greater downtown XXXX area which was nowhere near the fires and they identified the areas affected by the fires on the map provided. Confirmed that the property is located far enough away from any of the fire sites (easily >10 miles from closest fire) and that we can resolve. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-seller rebuttal attached. - Due Diligence Vendor-04/XX/2025 <br> Open-Document Uploaded. seller rebuttal attached. - Seller-04/XX/2025 <br> Open-Property potentially affected by FEMA Disaster XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-04/XX/2025 | Resolved-Client provided a map showing the location of the subject property in the greater downtown XXXX area which was nowhere near the fires and they identified the areas affected by the fires on the map provided. Confirmed that the property is located far enough away from any of the fire sites (easily >10 miles from closest fire) and that we can resolve. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471346 |  |  | Closed | 2025-04-29 16:48 | 2025-05-01 17:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-COC 3.7 - Due Diligence Vendor-04/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/XX/2025 | Resolved- - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471346 |  |  | Closed | 2025-04-25 10:50 | 2025-05-01 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Undisclosed Debt Notifications Report provided - This Undisclosed Debt Notification's maximum monitoring length is through XXXX which is 120 days from the monitoring start date. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-LQI - Due Diligence Vendor-04/XX/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-04/XX/2025 | Resolved-Undisclosed Debt Notifications Report provided - This Undisclosed Debt Notification's maximum monitoring length is through 4/6/2025 which is 120 days from the monitoring start date. Resolved. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471346 |  |  | Closed | 2025-04-25 13:00 | 2025-05-01 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement for first lien in lieu of copy of Note provided. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-mortgage statement for first lien in lieu of copy of Note - Due Diligence Vendor-04/XX/2025 <br>Open-Missing Previous note document. - Due Diligence Vendor-04/XX/2025 | Resolved-Mortgage statement for first lien in lieu of copy of Note provided. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471347 |  |  | Closed | 2025-04-25 11:21 | 2025-04-30 12:19 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Post Close CD - Due Diligence Vendor-04/XX/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX).and the date of the transaction, which is XXXX Update as per doc Pge #253 - Due Diligence Vendor-04/XX/2025 | Resolved-PCCD provided - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471347 |  |  | Closed | 2025-04-25 11:21 | 2025-04-30 12:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.462%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) Reran Mavent- resolved - Due Diligence Vendor-04/XX/2025 <br>Resolved-The loan's (10.476%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 182 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 210. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 209, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18,118,. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/XX/2025 | Resolved-The loan's (10.462%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) Reran Mavent- resolved - Due Diligence Vendor-04/30/2025 <br>Resolved-The loan's (10.476%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 182 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 210. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 209, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18,118,. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471347 |  |  | Closed | 2025-04-25 11:21 | 2025-04-30 12:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Reran Mavent- resolved - Due Diligence Vendor-04/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 182 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 210. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 209, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18,118,. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Reran Mavent- resolved - Due Diligence Vendor-04/30/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 182 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 210. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 209, and confirmation the appraisal was delivered to the borrower – see Pg#'s 18,118,. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/25/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471348 |  |  | Closed | 2025-04-25 09:22 | 2025-05-05 18:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-XXXX approves exception. - Buyer-05/XX/2025 <br> Ready for Review-exception form - Due Diligence Vendor-05/XX/2025 <br> Escalated-Document Uploaded. Exception in file on pg.192 Exception provided for loan amount of $XXXX which is less than Guideline Requirement of $XXXX. - Due Diligence Vendor-05/XX/2025 <br> Rescinded-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Duplicate finding.<br> - Due Diligence Vendor-04/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-05/05/2025 <br> Rescinded-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Duplicate finding.<br> - Due Diligence Vendor-04/25/2025 | XXXX |  | 1.Credit Score is XXXX. Minimum required per guidelines is 720.<br> 2.DTI is 25.65%. Maximum allowed per guidelines is 50%. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5471348 |  |  | Closed | 2025-04-29 17:51 | 2025-05-01 13:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lock confirmation provided. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-lock confirmation - Due Diligence Vendor-04/XX/2025 <br>Open- - Due Diligence Vendor-04/XX/2025 | Resolved-Lock confirmation provided. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471348 |  |  | Closed | 2025-04-25 05:40 | 2025-05-01 13:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-COC - Due Diligence Vendor-04/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). As per Initial LE lender credit is $313. however, in revised LE there is no lender credit. The file did not contain a change of circumstance informing borrower of the removal of lender credit. - Due Diligence Vendor-04/XX/2025 | Resolved- - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471349 |  |  | Closed | 2025-04-29 13:50 | 2025-05-01 11:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Lock Confirmation - Due Diligence Vendor-04/XX/2025 <br>Open- - Due Diligence Vendor-04/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471349 |  |  | Closed | 2025-04-25 06:21 | 2025-05-01 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Insurance for both properties, this is a XXXX.Now the premium is Matching. - Due Diligence Vendor-05/XX/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Insurance for both properties, this is a XXXX. - Due Diligence Vendor-04/XX/2025 <br> Open-Hazard Insurance Policy Partially Provided Policy Premium as per Lender Calculation sheet and final 1008 is reflecting as XXXX. Where provided document premium is XXXX. provide updated document with correct premium amount. - Due Diligence Vendor-04/XX/2025 | Resolved-Insurance for both properties, this is a XXXX.Now the premium is Matching. - Due Diligence Vendor-05/01/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471349 |  |  | Closed | 2025-04-25 06:08 | 2025-05-01 08:36 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 document provided with Corrected FICO. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-1008 - Due Diligence Vendor-04/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated FICO as per credit report per 1008 qualifying FICO is reflecting as XXXX. Per Credit report it is XXXX. - Due Diligence Vendor-04/XX/2025 | Resolved-Updated 1008 document provided with Corrected FICO. - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501789 |  |  | Closed | 2025-04-25 13:28 | 2025-05-01 16:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC form provided. XXXXand PC XXXX are passing. Resolved - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-COC 3/31 - Due Diligence Vendor-04/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Missing COC for lender credit decrease on rate lock LE issued XXXX - Due Diligence Vendor-04/XX/2025 | Resolved-COC form provided. XXXX and PC XXXX are passing. Resolved - Due Diligence Vendor-05/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501789 |  |  | Closed | 2025-04-25 13:28 | 2025-05-01 16:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form provided. XXXX and PC XXXX are passing. Resolved - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-COC 3/31 - Due Diligence Vendor-04/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC for origination fee iao XXXX added to rate lock LE issued XXXX. - Due Diligence Vendor-04/XX/2025 | Resolved-COC form provided. XXXX and PC XXXX are passing. Resolved - Due Diligence Vendor-05/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501789 |  |  | Closed | 2025-04-28 22:12 | 2025-05-01 16:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Proposed Insured - Due Diligence Vendor-04/XX/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Missing coverage amount from policy provided. - Due Diligence Vendor-04/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471343 |  |  | Closed | 2025-05-14 18:52 | 2025-05-27 16:56 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-05/XX/2025 <br> Open-Lender indicated fee of $XXXX paid by broker. Fees verified; however, condition remains. The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-05/XX/2025 <br> Open-Lender indicated fee of $XXXX paid by broker. Fees verified; however, condition remains. The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-The Final CD reflects broker paying for the $XXXX. No cure is required - Due Diligence Vendor-05/XX/2025 <br> Counter-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-05/XX/2025 | Resolved-Resolved - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471343 |  |  | Closed | 2025-04-25 08:35 | 2025-05-27 16:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-05/XX/2025 <br> Open- - Due Diligence Vendor-05/XX/2025 <br> Counter- - Due Diligence Vendor-05/XX/2025 <br> Counter-Provide COC for Lender credit decrease from LE ($1375) to initial CD ($0). The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,375.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-05/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). . - Due Diligence Vendor-05/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). . - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-seller rebuttal - Due Diligence Vendor-04/XX/2025 <br> Counter-Document Uploaded. seller rebuttal attached. - Seller-04/XX/2025 <br> Counter-Lender provided COC addressing the Lender credit, Origination fee and per diem interest, however, COC did not address credit for the Appraisal Review fee. The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)) - Due Diligence Vendor-04/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,550.00). The Last CD shows a total lender credit amount of ($175.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). . - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-COC - Due Diligence Vendor-04/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,925.00). The Last CD shows a total lender credit amount of ($175.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-04/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,925.00). The Last CD shows a total lender credit amount of ($175.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-04/XX/2025 | Resolved-Resolved - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471343 |  |  | Closed | 2025-05-12 19:01 | 2025-05-27 14:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Lender provided COC dated XXXX indicating lender credit reduced to $0. Condition resolved. - Due Diligence Vendor-05/XX/2025 <br> Resolved-Lender provided COC dated XXXX. Reducing credit from XXXX. Condition remains for missing COC for Lender credit decrease from LE (XXXX) to initial CD XXXX ($0). - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-The final CD reflects broker paying XXXX appraisal difference. Attaching again - Due Diligence Vendor-05/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). .<br> - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided COC dated 3/26/25 indicating lender credit reduced to $0. Condition resolved. - Due Diligence Vendor-05/27/2025 <br> Resolved-Lender provided COC dated 3/25/25. Reducing credit from XXXX. Condition remains for missing COC for Lender credit decrease from LE XXXX to initial CD XXXX (XXXX). - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471343 |  |  | Closed | 2025-05-19 16:51 | 2025-05-27 14:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided COC dated XXXX indicating lender credit reduced to $0. Condition resolved. - Due Diligence Vendor-05/XX/2025 <br> Counter- - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Lender provided COC. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-05/XX/2025 <br> Open-TRID: Missing Closing Disclosure Provide COC for Lender credit decrease from LE ($1375) to initial CD ($0). The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,375.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). <br>The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,375.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). . - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided COC dated XXXX indicating lender credit reduced to $0. Condition resolved. - Due Diligence Vendor-05/27/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471343 |  |  | Closed | 2025-05-02 18:59 | 2025-05-14 18:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). . - Due Diligence Vendor-05/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). . - Due Diligence Vendor-05/XX/2025 |  |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471359 |  |  | Closed | 2025-04-25 05:59 | 2025-04-29 19:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.39%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#337, 328. An interior and exterior appraisal was completed for this property – see Pg#25-54, the appraisal disclosure was provided to the borrower(s)- see Pg#21,485 and confirmation the appraisal was delivered to the borrower – see Pg#23, 485. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/XX/2025 | Resolved-The loan's (10.39%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#468 and the Final Closing disclosure on Pg#206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#337, 328. An interior and exterior appraisal was completed for this property – see Pg#25-54, the appraisal disclosure was provided to the borrower(s)- see Pg#21,485 and confirmation the appraisal was delivered to the borrower – see Pg#23, 485. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/25/2025<br>|  |  | HPMLrequirements have been met and an interior appraisal was performed. | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | 5471335 |  |  | Closed | 2025-04-30 10:50 | 2025-05-09 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/30/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-05/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501788 |  |  | Closed | 2025-05-02 09:00 | 2025-05-07 20:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/XX/2025 <br>Resolved-Final 1003 Provided, Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-1003 - Due Diligence Vendor-05/XX/2025 <br>Open-The Final 1003 is Missing Missing final 1003 - Due Diligence Vendor-05/XX/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/07/2025 <br>Resolved-Final 1003 Provided, Resolved - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501788 |  |  | Closed | 2025-05-02 09:28 | 2025-05-07 07:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-05/07/2025 <br>Ready for Review-vvoe - Due Diligence Vendor-05/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close is in file is more than 10 Business days from close. - Due Diligence Vendor-05/02/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471340 |  |  | Closed | 2025-05-07 22:02 | 2025-05-09 20:59 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 provided in findings changing the Property Type to no longer reflect Condo. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/XX/2025 <br> Open-The 1008 document is missing from the loan file. The 1008 reflects the Property Type as Condominium. There is a statement on XXXX that is entitled XXXX however the Appraisal indicates this is an attached PUD and was completed on a Uniform Residential Appraisal Report. The DOT reflects PUD, not condo. Provide updated 1008. - Due Diligence Vendor-05/XX/2025 | Resolved-1008 provided in findings changing the Property Type to no longer reflect Condo. Resolved. - Due Diligence Vendor-05/09/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501790 |  |  | Closed | 2025-05-08 13:18 | 2025-05-12 22:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-05/XX/2025 <br>Unable to Resolve-Unable to Resolve-XXXX approves exception - Buyer-05/XX/2025 <br>Open-Loan does not conform to program guidelines Exception on page 1432 approved to proceed with bwr being a Principal of submitting correspondent seller. Loan is a primary refi for minimal risk in transaction. TPO is a third party. bwr did not participate in ordering of credit report or processing. Appraisal was done air compliant. Recommend waiving. - Due Diligence Vendor-05/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-05/12/2025<br>|  |  | Fico XXXX minimum per guidelines 660<br> DTI XXXX max per guidelines is 5%<br> Residual income XXX residual income per guidelines required is none | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5661489 |  |  | Closed | 2025-05-13 23:55 | 2025-05-16 16:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-CIC form provided and updated to TRID header page. XXXX is passing. Resolved - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-05/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Fired due to LC that decreased from XXXX on the rate lock LE issued XXXX. Missing COC form. To cure please provide PCCD, evidence of refund, LOX and POD. - Due Diligence Vendor-05/XX/2025 | Resolved-CIC form provided and updated to TRID header page. XXXX is passing. Resolved - Due Diligence Vendor-05/16/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661489 |  |  | Closed | 2025-05-07 07:56 | 2025-05-13 23:55 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided with updated per diem and disbursements dates. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Post CD - Due Diligence Vendor-05/XX/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) This loan failed the TILA right of rescission test. because the per the ROR dated XXXX the cancellation date is XXXX and the disbursement date per final CD is XXXX. The funding date is before the third business day following consummation. Borrower did not get the full recession period. Please provide a corrected PCCD reflecting the correct Disbursement Date and Per Diem Date. - Due Diligence Vendor-05/XX/2025 | Resolved-PCCD provided with updated per diem and disbursements dates. Resolved. - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501809 |  |  | Closed | 2025-05-07 12:40 | 2025-05-20 23:59 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-x - Due Diligence Vendor-05/XX/2025 <br>Resolved-The loan's (12.697%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) x - Due Diligence Vendor-05/XX/2025 <br>Resolved-Status updated to resolved - Due Diligence Vendor-05/XX/2025 <br>Open-The loan's (12.697%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _242___ and the Final Closing disclosure on Pg#'s _181___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __302___ An interior and exterior appraisal was completed for this property – see pg __15__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__15_ , and copy of the appraisal was given to the borrower – see Pg#'s __15___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-05/XX/2025 | Resolved-x - Due Diligence Vendor-05/20/2025 <br>Resolved-The loan's (12.697%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) x - Due Diligence Vendor-05/20/2025 <br>Resolved-Status updated to resolved - Due Diligence Vendor-05/13/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501809 |  |  | Closed | 2025-05-07 20:53 | 2025-05-20 23:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Corresponding COC form provided. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-05/XX/2025 <br> Counter-COC provided is dated XXXX. LC was decreased to 0 when initial CD dated XXXX was issued. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-COC for lock with initial CD XXXX - Due Diligence Vendor-05/XX/2025 <br> Open-Missing CIC form issued with rate lock LE - Due Diligence Vendor-05/XX/2025 | Resolved-Corresponding COC form provided. Resolved. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501809 |  |  | Closed | 2025-05-07 12:40 | 2025-05-20 23:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC form provided. Tolerance fail is cleared. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-05/XX/2025 <br> Counter-COC provided is dated 4/XX/25. LC was decreased to 0 when initial CD dated XXXX was issued. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-05/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). There is No COC for Lender Credit Increased from Initial LE to Initial CD. - Due Diligence Vendor-05/XX/2025 | Resolved-COC form provided. Tolerance fail is cleared. Resolved. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501809 |  |  | Closed | 2025-05-07 20:43 | 2025-05-14 00:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-ROR received, resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-XXXX - Due Diligence Vendor-05/XX/2025 <br> Open-Right of Rescission is Missing - Due Diligence Vendor-05/XX/2025 | Resolved-ROR received, resolved. - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501810 |  |  | Closed | 2025-05-07 07:33 | 2025-05-14 22:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided in Findings: XX_1.PDF. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-icd - Due Diligence Vendor-05/XX/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing. Compliance will be run upon receipt. - Due Diligence Vendor-05/XX/2025 | Resolved-Initial CD provided in Findings: XX_1.PDF. Resolved. - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501810 |  |  | Closed | 2025-05-12 14:00 | 2025-05-14 22:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE Business Search provided in Findings: XXXX. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-voe - Due Diligence Vendor-05/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing The Borrower 1 3rd Party VOE Prior to Close is missing. - Due Diligence Vendor-05/XX/2025 | Resolved-VVOE Business Search provided in Findings: XXXX. Resolved. - Due Diligence Vendor-05/14/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501810 |  |  | Closed | 2025-05-07 07:31 | 2025-05-14 22:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate Lock Confirmation provided in Findings: XXXX_1.PDF. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-lock - Due Diligence Vendor-05/XX/2025 <br> Open-Evidence of Rate Lock Missing Evidence of the Rate Lock is missing. - Due Diligence Vendor-05/XX/2025 | Resolved-Rate Lock Confirmation provided in Findings: XXXX_1.PDF. Resolved. - Due Diligence Vendor-05/14/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501810 |  |  | Closed | 2025-05-14 22:12 | 2025-05-14 22:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.116%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.116%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. - Due Diligence Vendor-05/14/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501810 |  |  | Closed | 2025-05-14 22:12 | 2025-05-14 22:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Requirements of HPML have been met - Due Diligence Vendor-05/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Requirements of HPML have been met - Due Diligence Vendor-05/14/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501811 |  |  | Closed | 2025-05-07 08:43 | 2025-05-14 20:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided COC dated XXXX. Condition resolved. - Due Diligence Vendor-05/XX/2025 <br> Open-. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-05/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lenders credits were removed in revised LE dated with 04/XX/2025, there is no coc in file to cure the tolerance. - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided COC dated XXXX. Condition resolved. - Due Diligence Vendor-05/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501811 |  |  | Closed | 2025-05-07 08:43 | 2025-05-14 19:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-05/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points-Loan Discount Fee of $4500 added in Revised LE dated with XXXX, there is no Coc or Lender Credits to cure the tolerance. - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501811 |  |  | Closed | 2025-05-12 16:29 | 2025-05-14 17:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Lender provided updated 1003 removing ownership and employment for Co-borrower. Condition resolved. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-1003 - Due Diligence Vendor-05/XX/2025 <br>Open-The Final 1003 is Missing Provide updated 1003 indicating co-borrower as Non-owner of LLC. Per CPA letter in file. B1 is 50% owner and son (non-borrower) owns other 50%. - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided updated 1003 removing ownership and employment for Co-borrower. Condition resolved. - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501811 |  |  | Closed | 2025-05-07 08:43 | 2025-05-14 20:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets HPML threshold requirements. - Due Diligence Vendor-05/XX/2025 <br>Resolved-Meets Fed HPML threshold requirements. - Due Diligence Vendor-05/XX/2025 <br>Resolved-The loan's (10.392%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#357 and the Final Closing disclosure on Pg#238. Rate lock date was entered correctly see Pg#'s 393 An interior and exterior appraisal was completed for this property – see pg 39-46 the appraisal disclosure was provided to the borrower(s)- see Pg#'25, 27, 214 and copy of the appraisal was given to the borrower see Pg 25, 27, 214, 398 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-05/XX/2025 | Resolved-Meets HPML threshold requirements. - Due Diligence Vendor-05/14/2025 <br>Resolved-Meets Fed HPML threshold requirements. - Due Diligence Vendor-05/14/2025 <br>Resolved-The loan's (10.392%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#357 and the Final Closing disclosure on Pg#238. Rate lock date was entered correctly see Pg#'s 393 An interior and exterior appraisal was completed for this property – see pg 39-46 the appraisal disclosure was provided to the borrower(s)- see Pg#'25, 27, 214 and copy of the appraisal was given to the borrower see Pg 25, 27, 214, 398 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-05/07/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501811 |  |  | Closed | 2025-05-07 08:43 | 2025-05-14 20:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Meets HPML threshold requirements. - Due Diligence Vendor-05/XX/2025 <br> Resolved-Meets Fed HPML threshold requirements. - Due Diligence Vendor-05/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#357 and the Final Closing disclosure on Pg#238. Rate lock date was entered correctly see Pg#'s 393 An interior and exterior appraisal was completed for this property – see pg 39-46 the appraisal disclosure was provided to the borrower(s)- see Pg#'25, 27, 214 and copy of the appraisal was given to the borrower see Pg 25, 27, 214, 398 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-05/XX/2025 | Resolved-Meets HPML threshold requirements. - Due Diligence Vendor-05/14/2025 <br> Resolved-Meets Fed HPML threshold requirements. - Due Diligence Vendor-05/14/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#357 and the Final Closing disclosure on Pg#238. Rate lock date was entered correctly see Pg#'s 393 An interior and exterior appraisal was completed for this property – see pg 39-46 the appraisal disclosure was provided to the borrower(s)- see Pg#'25, 27, 214 and copy of the appraisal was given to the borrower see Pg 25, 27, 214, 398 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-05/07/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501812 |  |  | Closed | 2025-05-07 13:38 | 2025-05-23 14:53 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved-Lender provided evidence of refund, LOX and Post close CD. Condition resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Post Close CD - Due Diligence Vendor-05/XX/2025 <br> Counter-Mentioned definition does not cover E-Recording Fee because this fee is paid to handling company not to public officials, from the statement provided "Sums must be actually paid to public officials to be excluded", we cannot exclude the fee based on this. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-E-Recording service is used to record DOT and is a bona fide fee<br>1. Examples.<br>i. Excludable charges. Sums must be actually paid to public officials to be excluded from the finance charge under § 1026.4(e)(1) and (e)(3). Examples are charges or other fees required for filing or recording security agreements, mortgages, continuation statements, termination statements, and similar documents, as well as intangible property or other taxes even when the charges or fees are imposed by the state solely on the creditor and charged to the consumer (if the tax must be paid to record a security agreement). (See comment 4(a)-5 regarding the treatment of taxes, generally.) - Due Diligence Vendor-05/XX/2025 <br> Counter-We noticed the E-recording fee is excluded from the finance charge test on your compliance report and we have this fee included as a finance charge. Please provide why the E-Recording fee is not considered a finance charge. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-We do not fail HC. See attached mavient report with our fees - Due Diligence Vendor-05/XX/2025 <br> Open-The loan fees (XXXX) exceed the (XXXX) High Cost fee limit, which is (XXXX), the difference is ($42.45). Loan failed High cost test stating The loan fees (XXXX) exceed the (XXXX) High Cost fee limit, which is (XXXX), the difference is ($42.45). - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided evidence of refund, LOX and Post close CD. Condition resolved. - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501812 |  |  | Closed | 2025-05-07 13:38 | 2025-05-23 14:48 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 266. An interior and exterior appraisal was completed for this property – see Pg. 4, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 113 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-05/XX/2025 <br>Open-The loan's (11.111%) APR equals or exceeds the XXXX junior lien threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.7%).XXXX - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-HPML is allowed in NC. Loan is not escrowed because it is a 2nd. Appraisal was done and send to the borrower - Due Diligence Vendor-05/XX/2025 <br>Open-The loan's (11.111%) APR equals or exceeds the XXXX junior lien threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.7%).XXXX Loan failed Rate Spread Home Loan Test stating - The loan's (11.111%) APR equals or exceeds the XXXX junior lien threshold of (10.2%). - Due Diligence Vendor-05/XX/2025 | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 266. An interior and exterior appraisal was completed for this property – see Pg. 4, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 113 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-05/15/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501812 |  |  | Closed | 2025-05-07 13:38 | 2025-05-23 14:48 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-05/XX/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 266. An interior and exterior appraisal was completed for this property – see Pg. 4, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 113 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-05/XX/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. __266. An interior and exterior appraisal was completed for this property – see Pg. _4___ , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Conditions. _____ for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Proof appraisal delivery - Due Diligence Vendor-05/XX/2025 <br>Open-The loan's (11.111%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'32 - file uploads<br> Rate lock date was entered correctly – see Pg#'s 266 - file uploads<br> An interior and exterior appraisal was completed for this property – see pg#5 - file uploads, <br> ECOA Appraisal Disclosure OR the LE's page as the page#114, 219 - file uploads<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 30 - file uploads<br> - Due Diligence Vendor-05/XX/2025 | Resolved-. - Due Diligence Vendor-05/23/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 266. An interior and exterior appraisal was completed for this property – see Pg. 4, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 113 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-05/15/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. __266. An interior and exterior appraisal was completed for this property – see Pg. _4___ , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Conditions. _____ for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501812 |  |  | Closed | 2025-05-12 20:22 | 2025-05-20 23:20 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-05/XX/2025 <br>Unable to Resolve-Unable to Resolve-XXXX approves exception. Borrower has an individual policy that provides full coverage of the property. - Seller-05/XX/2025 <br>Counter-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per XXXX guidelines 12.2.1. Condition unresolved. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-This is a detached PUD with an HO3 policy. Per our guidelines, we do not require master policy - Due Diligence Vendor-05/XX/2025 <br>Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-05/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-05/20/2025<br>|  |  | XXXX FICO<br> >XXXX residual income, min is $1,500<br> Borrower has an individual policy that provides full coverage of the property | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5501812 |  |  | Closed | 2025-05-07 13:51 | 2025-05-14 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement provided. Resolved<br> - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Mortgage statement. Please use mortgage statement and credit report for 1st lien info - Due Diligence Vendor-05/XX/2025 <br>Open-Missing legal documents for senior or subordinate lien in file. - Due Diligence Vendor-05/XX/2025 | Resolved-Mortgage statement provided. Resolved<br> - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501812 |  |  | Closed | 2025-05-07 12:48 | 2025-05-14 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-soft pull - Due Diligence Vendor-05/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report which iis within 10 days of closing is Missing in file - Due Diligence Vendor-05/XX/2025 | Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501812 |  |  | Closed | 2025-05-07 12:30 | 2025-05-14 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved<br> - Due Diligence Vendor-05/14/2025 <br>Ready for Review-voe - Due Diligence Vendor-05/13/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 3rd Party VOE Prior to Close Missing in file. - Due Diligence Vendor-05/07/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved<br> - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501872 |  |  | Closed | 2025-05-12 11:45 | 2025-05-16 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Max CLTV is 85% - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Max 85 % CLTV (except in CA) – Max 80% CLTV if FICO < XXXX; CA (max CLTV 80% when XXXX+ FICO and max 75% CLTV for XXXX FICO). - Due Diligence Vendor-05/XX/2025 <br> Open-Audited CLTV Exceeds Guideline CLTV Audited CLTV of 84.78% it is exceeds Guideline CLTV of 80% - Due Diligence Vendor-05/XX/2025 | Resolved-Max CLTV is 85% - Due Diligence Vendor-05/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501872 |  |  | Closed | 2025-05-12 11:25 | 2025-05-16 11:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-internal exception provided - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-XXXX INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-05/XX/2025 <br>Open-Audited DTI of 47.69% exceeds Guideline DTI of 45% Audited DTI is 47.69% it is exceeds Guideline DTI of 45% - Due Diligence Vendor-05/XX/2025 | Waived-internal exception provided - Due Diligence Vendor-05/16/2025<br>| XXXX |  | Fico XXXX minimum per guidelines is 680<br> Reserves- XXXX minimum per guidelines is 0<br> residual income- XXXX required per guidelines is none | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5501872 |  |  | Closed | 2025-05-12 12:05 | 2025-05-16 08:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-WVOE in file that covers the YTD info. No finding required. Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-we have written voes that should cover everything - Due Diligence Vendor-05/XX/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-05/XX/2025 | Resolved-WVOE in file that covers the YTD info. No finding required. Resolved - Due Diligence Vendor-05/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501872 |  |  | Closed | 2025-05-12 12:05 | 2025-05-16 08:49 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-WVOE in file that covers the YTD info. No finding required. Resolved<br> - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-we have written voes that should cover everything - Due Diligence Vendor-05/XX/2025 <br>Open-Borrower 2 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-05/XX/2025 | Resolved-WVOE in file that covers the YTD info. No finding required. Resolved<br> - Due Diligence Vendor-05/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501872 |  |  | Closed | 2025-05-09 11:33 | 2025-05-15 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document (Property Report) Provided. Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-PROP RPT - Due Diligence Vendor-05/XX/2025 <br>Open-Title Document is missing - Due Diligence Vendor-05/XX/2025 | Resolved-Title Document (Property Report) Provided. Resolved - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501872 |  |  | Closed | 2025-05-12 11:22 | 2025-05-12 12:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.802%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 96 and the Final Closing disclosure on Pg# 96 reflects escrows. Rate lock date was entered correctly see Pg.'s 316 An interior and exterior appraisal was completed for this property – see pg. 25the appraisal disclosure was provided to the borrower(s)- see Pg#'25 and copy of the appraisal was given to the borrower see Pg# 25 for the copy of the disclosure, ECOA disclosure page no #315. The loan meets HPML guidelines." <br> - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (10.802%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 96 and the Final Closing disclosure on Pg# 96 reflects escrows. Rate lock date was entered correctly see Pg.'s 316 An interior and exterior appraisal was completed for this property – see pg. 25the appraisal disclosure was provided to the borrower(s)- see Pg#'25 and copy of the appraisal was given to the borrower see Pg# 25 for the copy of the disclosure, ECOA disclosure page no #315. The loan meets HPML guidelines." <br> - Due Diligence Vendor-05/12/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501874 |  |  | Closed | 2025-05-09 11:42 | 2025-05-16 20:14 | Resolved | 1 - Information A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Updated the mortgage current balance of $XXXX as reflected on p XXXX which resolved the issue and LTV to 85% per GLs. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Rescinded-Audited HLTV of 85.14% exceeds Guideline HCLTV of 85% Updated as per Guidelines the CLTV to 85% and lowered the FICO to XXXX - Due Diligence Vendor-05/XX/2025 | Resolved-Updated the mortgage current balance of $XXXX as reflected on p XXXX which resolved the issue and LTV to 85% per GLs. Resolved. - Due Diligence Vendor-05/16/2025 <br> Rescinded-Audited HLTV of 85.14% exceeds Guideline HCLTV of 85% Updated as per Guidelines the CLTV to 85% and lowered the FICO to XXXX - Due Diligence Vendor-05/09/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501874 |  |  | Closed | 2025-05-09 11:42 | 2025-05-16 20:14 | Resolved | 1 - Information A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Updated the mortgage current balance of $XXXX as reflected on p XXXX which resolved the issue and LTV to 85% per GLs. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Open-Audited CLTV of 85.14% exceeds Guideline CLTV of 85% Updated as per Guidelines the CLTV to 85% and lowered the FICO to 680 - Due Diligence Vendor-05/XX/2025 | Resolved-Updated the mortgage current balance of $XXXX as reflected on p 205 which resolved the issue and LTV to 85% per GLs. Resolved. - Due Diligence Vendor-05/16/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501874 |  |  | Closed | 2025-05-09 12:33 | 2025-05-16 20:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Updated the mortgage current balance of $XXXX as found on page XXXX and the LTV is now 85% which is within GLs. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-im getting XXXX value of XXXX divide them up and thats 84.99% - Due Diligence Vendor-05/XX/2025 <br> Counter-The CLTV is 85.14% which exceed 85%. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-PER MATRIX: Max 85 % CLTV (except in CA) – Max 80% CLTV if FICO < XXXX; CA (max CLTV 80% when XXXX+ FICO and max 75% CLTV for XXXX FICO). - Due Diligence Vendor-05/XX/2025 <br> Open-Audited CLTV Exceeds Guideline CLTV Per Matrix: Max 80 % CLTV for FICO over XXXX. - Due Diligence Vendor-05/XX/2025 | Resolved-Updated the mortgage current balance of $XXXX as found on page XXXX and the LTV is now 85% which is within GLs. Resolved. - Due Diligence Vendor-05/16/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501874 |  |  | Closed | 2025-05-09 11:06 | 2025-05-16 19:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/XX/2025 <br>Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-PROP RPT - Due Diligence Vendor-05/XX/2025 <br>Open-Title Document is missing The Title Ddocument is missing. - Due Diligence Vendor-05/XX/2025 | Resolved-Title Document is fully Present - Due Diligence Vendor-05/16/2025 <br>Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501874 |  |  | Closed | 2025-05-09 12:35 | 2025-05-14 22:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Title doc (Property Report) provided in another finding is sufficient. Resolved. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-PRINTED GUIDELINES DO NOT REQUIRE. PLS WAIVE. - Due Diligence Vendor-05/XX/2025 <br>Open-the previous not and previous dot, mortgage statement is missing in file. - Due Diligence Vendor-05/XX/2025 | Resolved-Title doc (Property Report) provided in another finding is sufficient. Resolved. - Due Diligence Vendor-05/14/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501874 |  |  | Closed | 2025-05-09 12:20 | 2025-05-16 20:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-"Requirements of HPML have been met". Resolved. - Due Diligence Vendor-05/XX/2025 <br>Resolved-The loan's (11.289%) APR equals or exceeds the Federal HPML threshold of (10.16%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s n\a and the Final Closing disclosure on Pg#'s 81, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 216,75. An interior and exterior appraisal was completed for this property – see pg 48, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 215, and confirmation the appraisal was delivered to the borrower – see Pg#'s 48. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/XX/2025 | Resolved-"Requirements of HPML have been met". Resolved. - Due Diligence Vendor-05/16/2025 <br>Resolved-The loan's (11.289%) APR equals or exceeds the Federal HPML threshold of (10.16%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s n\a and the Final Closing disclosure on Pg#'s 81, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 216,75. An interior and exterior appraisal was completed for this property – see pg 48, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 215, and confirmation the appraisal was delivered to the borrower – see Pg#'s 48. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501875 |  |  | Closed | 2025-05-13 21:38 | 2025-05-19 22:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statements Provided, Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-MTG SMTS - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-this is not a requirement for UW review at XXXX - Due Diligence Vendor-05/XX/2025 <br>Counter-Per guideline section under Sr. lien terms pg 15, guidelines restrict certain types of 1st lien loans. Unable to verify without Note terms. Condition remains. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-PRINTED GUIDELINES DO NOT REQUIRE. PLS WAIVE - Due Diligence Vendor-05/XX/2025 <br>Open-Provide 1st lien Note. Unable to validate CLTV. - Due Diligence Vendor-05/XX/2025 | Resolved-Mortgage Statements Provided, Resolved - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501875 |  |  | Closed | 2025-05-13 19:27 | 2025-05-19 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Lender provided HOA/PUD master policy. Condition resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-MASTER BLANKET POLICY - Due Diligence Vendor-05/XX/2025 <br> Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided HOA/PUD master policy. Condition resolved. - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501875 |  |  | Closed | 2025-05-09 09:30 | 2025-05-15 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/XX/2025 <br>Resolved-Title Document (Property Report) Provided. Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-PROP RPT - Due Diligence Vendor-05/XX/2025 <br>Open-Title Document is missing in file - Due Diligence Vendor-05/XX/2025 | Resolved-Title Document is fully Present - Due Diligence Vendor-05/15/2025 <br>Resolved-Title Document (Property Report) Provided. Resolved - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501875 |  |  | Closed | 2025-05-09 13:39 | 2025-05-09 13:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.799%) APR equals or exceeds the Federal HPML threshold of (10.16%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 94 An interior and exterior appraisal was completed for this property – see pg 54-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 281 , and copy of the appraisal was given to the borrower – see Pg#'s 25 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.799%) APR equals or exceeds the Federal HPML threshold of (10.16%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 94 An interior and exterior appraisal was completed for this property – see pg 54-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 281 , and copy of the appraisal was given to the borrower – see Pg#'s 25 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501879 |  |  | Closed | 2025-05-10 05:27 | 2025-05-14 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-PROPERTY REPORT - Due Diligence Vendor-05/XX/2025 <br>Open-Title Document is missing - Due Diligence Vendor-05/XX/2025 | Resolved-Title doc (Property Report) provided. Resolved - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501879 |  |  | Closed | 2025-05-10 06:39 | 2025-05-13 19:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.251%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 88. An interior and exterior appraisal was completed for this property – see pg 55, the appraisal disclosure was provided to the borrower(s)- see Pg#'292, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. Delivery confirmation on page 28. The loan meets HPML guidelines. - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (10.251%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 88. An interior and exterior appraisal was completed for this property – see pg 55, the appraisal disclosure was provided to the borrower(s)- see Pg#'292, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. Delivery confirmation on page 28. The loan meets HPML guidelines. - Due Diligence Vendor-05/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501883 |  |  | Closed | 2025-05-11 07:07 | 2025-09-10 16:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines. Resolved - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-PLS CLARIFY. AM I SUPPOSED TO RESPOND OR HAS THIS BEEN RESOLVED? - Due Diligence Vendor-05/XX/2025 <br>Resolved-Re-ran mavent- resolved - Due Diligence Vendor-05/XX/2025 <br>Resolved-The loan's (11.875%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 64. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 364, and copy of the appraisal was given to the borrower – see Pg#'s 26 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower on page #93. The loan meets HPML guidelines - Due Diligence Vendor-05/XX/2025 | Resolved-The loan meets HPML guidelines. Resolved - Due Diligence Vendor-09/10/2025 <br>Resolved-Re-ran mavent- resolved - Due Diligence Vendor-05/16/2025 <br>Resolved-The loan's (11.875%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 64. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 364, and copy of the appraisal was given to the borrower – see Pg#'s 26 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower on page #93. The loan meets HPML guidelines - Due Diligence Vendor-05/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501878 |  |  | Closed | 2025-05-13 08:40 | 2025-05-13 23:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.973%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 54. An interior and exterior appraisal was completed for this property – see pg 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 46,270, and copy of the appraisal was given to the borrower – see Pg#'s 23 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower on page #75. The loan meets HPML guidelines - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.973%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 54. An interior and exterior appraisal was completed for this property – see pg 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 46,270, and copy of the appraisal was given to the borrower – see Pg#'s 23 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower on page #75. The loan meets HPML guidelines - Due Diligence Vendor-05/13/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501876 |  |  | Closed | 2025-05-14 19:35 | 2025-09-10 16:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX approves exception. Comp Factors: XXXX FICO, 39% CLTV, 38 years as XXXX - Due Diligence Vendor-06/XX/2025 <br> Escalated-Escalating for XXXX approval - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-XXXX INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-05/XX/2025 <br> Open-Audited DTI of 49.93% exceeds Guideline DTI of 45% - Due Diligence Vendor-05/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-06/11/2025<br>| XXXX |  | XXXX FICO<br> 39% CLTV<br> 38 years history in same job | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5501876 |  |  | Closed | 2025-05-11 04:56 | 2025-05-15 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document (Property Report) Provided. Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-PROP RPT - Due Diligence Vendor-05/XX/2025 <br>Open-Title Document is missing - Due Diligence Vendor-05/XX/2025 | Resolved-Title Document (Property Report) Provided. Resolved - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501876 |  |  | Closed | 2025-05-11 16:54 | 2025-05-14 19:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.194%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. <br> - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.194%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. <br> - Due Diligence Vendor-05/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501880 |  |  | Closed | 2025-05-10 14:36 | 2025-05-14 22:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.528%) APR equals or exceeds the Federal HPML threshold of (10.16%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 61. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'303, and copy of the appraisal was given to the borrower – see Pg#'s 53 delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (10.528%) APR equals or exceeds the Federal HPML threshold of (10.16%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 61. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'303, and copy of the appraisal was given to the borrower – see Pg#'s 53 delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-05/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501885 |  |  | Closed | 2025-05-10 13:23 | 2025-05-28 15:57 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Lender provided evidence that borrower received Appraisal. The loan's (10.428%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 61. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 299 , and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. Appraisal delivery acknowledgement is provided. The loan does meet HPML guidelines - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-EMAIL CONFIRMATION FROM BORR ACKNOWLEDGING APPR RCPT - Due Diligence Vendor-05/XX/2025 <br>Counter-Lender provided a copy of an email; however, it does not indicate if an Appraisal delivery was acknowledged. Condition unresolved. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-APPR DELIV RCPT - Due Diligence Vendor-05/XX/2025 <br>Open-The loan's (10.428%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 61. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 299 , and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. Appraisal delivery acknowledgement is MISSING. The loan does not meets HPML guidelines - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided evidence that borrower received Appraisal. The loan's (10.428%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 61. An interior and exterior appraisal was completed for this property – see pg 38, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 299 , and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. Appraisal delivery acknowledgement is provided. The loan does meet HPML guidelines - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501885 |  |  | Closed | 2025-05-10 12:36 | 2025-05-22 16:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Lender provided WVOE covering more than 30 day period. Condition resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-WVOE - Due Diligence Vendor-05/XX/2025 <br> Counter-XXXX FICO. 680 Min.<br> Over 15 years at current residence.<br> 0x30 Mtg pay history for over 36 months. Min 0x30 within the past 12 months. - Due Diligence Vendor-05/XX/2025 <br> Counter-Per guidelines, Pay stub(s) covering the most recent 30-day period providing year-to-date earnings required along with VVOE and recent W2. Condition unresolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-we have written voes that should cover everything - Due Diligence Vendor-05/XX/2025 <br> Open-Borrower 2 Paystubs Less Than 1 Month Provided Per GL's - Provide Paystubs for B2 Gross earnings covering the most recent 30-day period. In file we have only 1 Bi-Weekly paystub from 2/10-2/23. - Due Diligence Vendor-05/XX/2025 | Resolved-Lender provided WVOE covering more than 30 day period. Condition resolved. - Due Diligence Vendor-05/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501885 |  |  | Closed | 2025-05-10 13:41 | 2025-05-21 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statement Provided. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-MTG STMT - Due Diligence Vendor-05/XX/2025 <br>Open-Provide 1st lien Note. Unable to validate 1st lien terms as required per guidelines. - Due Diligence Vendor-05/XX/2025 | Resolved-Mortgage Statement Provided. - Due Diligence Vendor-05/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501885 |  |  | Closed | 2025-05-10 13:27 | 2025-05-19 14:53 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Lender indicated Lender's title policy on Provider's list XXXX is same as XXXX Condition resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-While the addresses are different, XXXX and XXXX are the same entity. There's no regulatory requirement for addresses to be the same on the SSPL for the service provider chosen by the borrower and the address listed on the CD for that same provider. Since XXXX is a nationwide lender, a service provider (XXXX) may be utilized in many states and may have multiple addresses. This is the official interpretation in Reg Z regarding the provider list.<br>"4. Identification of available providers. Section 1026.19(e)(1)(vi)(C) provides that the creditor must identify settlement service providers, that are available to the consumer, for the settlement services that are required by the creditor for which a consumer is permitted to shop. A creditor does not comply with the identification requirement in § 1026.19(e)(1)(vi)(C) unless it provides sufficient information to allow the consumer to contact the provider, such as the name under which the provider does business and the provider's address and telephone number."<br> - Due Diligence Vendor-05/XX/2025 <br> Open-Title fees (Title - Abstract Or Title Search) is paid to a provider that's not on providers list but the fee is still in section B, move the Fee (Title - Abstract Or Title Search) to section C. - Due Diligence Vendor-05/XX/2025 | Resolved-Lender indicated Lender's title policy on Provider's list XXXX is same as XXXX-XXXX. Condition resolved. - Due Diligence Vendor-05/19/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501884 |  |  | Closed | 2025-05-11 03:39 | 2025-05-28 02:34 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-History details Provided, Resolved - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-So borrowers don't have a 12 month history - they just got the property in XXXX - so we have the pay history that is available. It isn't a private mortgage so there is not a term of 12 months that is required for the 1st mortgage :) - Due Diligence Vendor-05/XX/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Only 4 months of proof available in file, Required minimum 12 months housing history finding added for same. - Due Diligence Vendor-05/XX/2025 | Resolved-History details Provided, Resolved - Due Diligence Vendor-05/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501884 |  |  | Closed | 2025-05-14 20:51 | 2025-05-23 07:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Legal documents for senior or subordinate lien uploaded , Verified - Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-MTG STMT - Due Diligence Vendor-05/XX/2025 <br>Open-Provide 1st lien Note. Unable to validate 1st lien terms as required per guidelines. - Due Diligence Vendor-05/XX/2025 | Resolved-Legal documents for senior or subordinate lien uploaded , Verified - Resolved - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501884 |  |  | Closed | 2025-05-11 04:34 | 2025-05-14 21:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.145%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed from the Final Closing disclosure on Pg#66. Rate lock date was entered correctly see Pg#'s 226 An interior and exterior appraisal was completed for this property – see pg 24, 41-45 the appraisal disclosure was provided to the borrower(s)- see Pg#'23 and copy of the appraisal was given to the borrower see Pg 257 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.145%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed from the Final Closing disclosure on Pg#66. Rate lock date was entered correctly see Pg#'s 226 An interior and exterior appraisal was completed for this property – see pg 24, 41-45 the appraisal disclosure was provided to the borrower(s)- see Pg#'23 and copy of the appraisal was given to the borrower see Pg 257 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-05/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501873 |  |  | Closed | 2025-05-12 04:41 | 2025-07-03 20:59 | Cured | 2 - Non-Material C B | Compliance | Mavent | PA Fee Not Allowed- Administration Fee (Fee ID: 141) | Cured-Received copy of check, LOX, FedEx label, and PCCD. - Due Diligence Vendor-07/XX/2025 <br> Cured-Received copy of check, LOX, FedEx label, and PCCD. t - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-CURE DOCS - Due Diligence Vendor-05/XX/2025 <br> Open-Administration Fee (Fee ID: 141) is not allowed to be charged to the Borrower and paid to the Lender in XXXX. This is state specific finding - Due Diligence Vendor-05/XX/2025 | Cured-Received copy of check, LOX, FedEx label, and PCCD. - Due Diligence Vendor-07/03/2025 <br>Cured-Received copy of check, LOX, FedEx label, and PCCD. t - Due Diligence Vendor-06/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501873 |  |  | Closed | 2025-05-12 01:26 | 2025-06-03 17:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br>Open-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-The loan's (10.689%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. - Due Diligence Vendor-05/XX/2025 | Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/03/2025 <br>Resolved-The loan's (10.689%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. - Due Diligence Vendor-05/12/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501882 |  |  | Closed | 2025-05-12 11:41 | 2025-05-15 18:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.895%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 59. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 320, and copy of the appraisal was given to the borrower – see Pg#'s 22 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower on page #95 & 98. The loan meets HPML guidelines - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.895%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 59. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 320, and copy of the appraisal was given to the borrower – see Pg#'s 22 for the copy of the disclosure. Appraisal delivery acknowledgment to borrower on page #95 & 98. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501881 |  |  | Closed | 2025-05-12 10:17 | 2025-05-15 15:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.852%) APR equals or exceeds the Federal HPML threshold of (10.16%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 79 and the Final Closing disclosure on Pg# 79 reflects escrows. Rate lock date was entered correctly see Pg.'s 227 An interior and exterior appraisal was completed for this property – see pg. 31 the appraisal disclosure was provided to the borrower(s)- see Pg#'31 and copy of the appraisal was given to the borrower see Pg# 31 for the copy of the disclosure, ECOA disclosure page no #226. Requirements of HPML have been met. Resolved. <br> - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (10.852%) APR equals or exceeds the Federal HPML threshold of (10.16%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 79 and the Final Closing disclosure on Pg# 79 reflects escrows. Rate lock date was entered correctly see Pg.'s 227 An interior and exterior appraisal was completed for this property – see pg. 31 the appraisal disclosure was provided to the borrower(s)- see Pg#'31 and copy of the appraisal was given to the borrower see Pg# 31 for the copy of the disclosure, ECOA disclosure page no #226. Requirements of HPML have been met. Resolved. <br> - Due Diligence Vendor-05/12/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501877 |  |  | Closed | 2025-05-15 17:22 | 2025-05-28 13:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lock confirmation o XXXX provided. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-INTERNAL LOCK CONF - Due Diligence Vendor-05/XX/2025 <br> Counter-Please provide the Lock Confirmation. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-LOCKED LE - Due Diligence Vendor-05/XX/2025 <br> Open-Lock confirmation is missing from the file. - Due Diligence Vendor-05/XX/2025 | Resolved-Lock confirmation of XXXX provided. - Due Diligence Vendor-05/28/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501877 |  |  | Closed | 2025-05-11 06:58 | 2025-05-23 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement provided. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-MTG STMT - Due Diligence Vendor-05/XX/2025 <br>Open-Provide 1st Lien Note document. - Due Diligence Vendor-05/XX/2025 | Resolved-Mortgage statement provided. - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501877 |  |  | Closed | 2025-05-11 06:48 | 2025-05-11 06:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.662%) APR equals or exceeds the Federal HPML threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly.Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 70. An interior and exterior appraisal was completed for this property – see pg 42 , the appraisal disclosure was provided to the borrower(s)- see Pg#'340 , and copy of the appraisal was given to the borrower – see Pg#'s 28 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (10.662%) APR equals or exceeds the Federal HPML threshold of (10.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly.Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 70. An interior and exterior appraisal was completed for this property – see pg 42 , the appraisal disclosure was provided to the borrower(s)- see Pg#'340 , and copy of the appraisal was given to the borrower – see Pg#'s 28 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501858 |  |  | Closed | 2025-05-15 22:32 | 2025-05-28 02:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-BPA Provided, Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Only one copy is required for NON DSCR files- Please see attached - Buyer-05/XX/2025 <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Missing initial BP affidavit. - Due Diligence Vendor-05/XX/2025 | Resolved-BPA Provided, Resolved - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501858 |  |  | Closed | 2025-05-14 04:06 | 2025-05-23 22:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Initial 1003 executed by the LO received, resolved. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/XX/2025 <br>Open-Lo signature missing in Initial 1003. - Due Diligence Vendor-05/XX/2025 | Resolved-The Initial 1003 is Present - Initial 1003 executed by the LO received, resolved. - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501782 |  |  | Closed | 2025-05-15 05:54 | 2025-06-09 13:39 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Resolved-Lender reimbursed borrower for Flood Certificate fee in the amount of $8.50 - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. LOE/Check/PCCD uploaded for review. - Seller-06/XX/2025 <br> Counter-Yes, the 3 state fee fails are for the following:<br> Flood certificate fee in the amount of $8.50<br> Tax service fee in the amount of $65<br> Recording service fee in the amount of $25. - Due Diligence Vendor-05/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in XXXX of the XXXX does not allow Flood Certification Fee - Due Diligence Vendor-05/XX/2025 | Resolved-Lender reimbursed borrower for Flood Certificate fee in the amount of $8.50 - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501782 |  |  | Closed | 2025-05-15 05:54 | 2025-06-09 13:39 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Recording Service Fee (Fee ID: 108) | Resolved-Lender reimbursed borrower for Recording service fee in the amount of $25.00 - Due Diligence Vendor-06/XX/2025 <br> Open-Lender reimbursed borrower for Recording Service fee in the amount of $25.00 - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-LOE/Check/PCCD uploaded for review. - Seller-06/XX/2025 <br> Counter-Yes, the 3 state fee fails are for the following:<br> Flood certificate fee in the amount of $8.50<br> Tax service fee in the amount of $65<br> Recording service fee in the amount of $25. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Can you verify which fee (and the amount) you are specifically talking about so I can relay that to the seller? I'm guessing it's the $65.00 Recording Fee, but want to be sure. - Seller-05/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Recording Service Fee (Fee ID: XX) to be charged to the Borrower in XXXX of the XXXX does not allow Recording Service Fee - Due Diligence Vendor-05/XX/2025 | Resolved-Lender reimbursed borrower for Recording service fee in the amount of $25.00 - Due Diligence Vendor-06/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501782 |  |  | Closed | 2025-05-15 05:54 | 2025-06-09 13:38 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Tax Related Service Fee (Fee ID: 107) | Resolved-Lender reimbursed borrower for Tax related service fee in the amount of $65.00 - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. LOE/Check/PCCD uploaded for review. - Buyer-06/XX/2025 <br>Counter-Yes, the 3 state fee fails are for the following:<br> Flood certificate fee in the amount of $8.50<br> Tax service fee in the amount of $65<br> Recording service fee in the amount of $25. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Can you verify which fee (and the amount) you are specifically talking about so I can relay that to the seller? I'm guessing it's the $65.00 Tax Service Fee, but want to be sure. - Seller-05/XX/2025 <br>Open-Section 6.2-328 of the XXXX does not allow Tax Related Service Fee (Fee ID: 107) to be charged to the Borrower in XXXX of the XXXX does not allow Tax Related Service Fee - Due Diligence Vendor-05/XX/2025 | Resolved-Lender reimbursed borrower for Tax related service fee in the amount of $65.00 - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471342 |  |  | Closed | 2025-05-21 14:44 | 2025-05-27 13:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing disclosure loan terms- Monthly P&I | Resolved-PCCD provided with corrected P&I - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Updated Final CD uploaded for review. - Buyer-05/XX/2025 <br>Open-The monthly P&I per the Note is $683.83, however the P&I per the final CD reflects $840.85. Provide updated Final CD w/ corrected loan terms - Due Diligence Vendor-05/XX/2025 | Resolved-PCCD provided with corrected P&I - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471342 |  |  | Closed | 2025-05-16 10:41 | 2025-05-21 14:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-05/XX/2025 <br>Resolved-The loan's (11.143%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 287 and the Final Closing disclosure on Pg#'s 89, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 418. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 400, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/XX/2025 | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-05/21/2025 <br>Resolved-The loan's (11.143%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 287 and the Final Closing disclosure on Pg#'s 89, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 418. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 400, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501865 |  |  | Closed | 2025-05-19 08:57 | 2025-05-23 15:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow .Rate lock date was entered correctly – see Pg#'s 314 An interior and exterior appraisal was completed for this property – see pg 73-82 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s305, and copy of the appraisal was given to the borrower – see Pg#'s50 for the copy of the disclosure. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-05/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow .Rate lock date was entered correctly – see Pg#'s 314 An interior and exterior appraisal was completed for this property – see pg 73-82 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s305, and copy of the appraisal was given to the borrower – see Pg#'s50 for the copy of the disclosure. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-05/19/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501865 |  |  | Closed | 2025-05-19 08:57 | 2025-05-23 15:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.27%) APR equals or exceeds the Federal HPML threshold of (9.94%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.44%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow .Rate lock date was entered correctly – see Pg#'s 314 An interior and exterior appraisal was completed for this property – see pg 73-82 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s305, and copy of the appraisal was given to the borrower – see Pg#'s50 for the copy of the disclosure. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (10.27%) APR equals or exceeds the Federal HPML threshold of (9.94%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.44%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow .Rate lock date was entered correctly – see Pg#'s 314 An interior and exterior appraisal was completed for this property – see pg 73-82 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s305, and copy of the appraisal was given to the borrower – see Pg#'s50 for the copy of the disclosure. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-05/19/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501800 |  |  | Closed | 2025-05-19 12:41 | 2025-05-23 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-05/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Required Gap credit report within 10 business days of closing date. - Due Diligence Vendor-05/XX/2025 | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/23/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501800 |  |  | Closed | 2025-05-20 04:22 | 2025-05-20 04:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.562%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 171 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s 381 An interior and exterior appraisal was completed for this property – see pg 14-41 , the appraisal disclosure was provided to the borrower(s)- see Pg#'467 , and copy of the appraisal was given to the borrower – see Pg#'s 380 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.562%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 171 and the Final Closing disclosure on Pg#'s 171 reflects escrows. Rate lock date was entered correctly – see Pg#'s 381 An interior and exterior appraisal was completed for this property – see pg 14-41 , the appraisal disclosure was provided to the borrower(s)- see Pg#'467 , and copy of the appraisal was given to the borrower – see Pg#'s 380 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-05/20/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516235 |  |  | Closed | 2025-05-19 06:27 | 2025-05-29 18:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided. Resolved. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/XX/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/XX/2025 | Resolved-Third Party Fraud Report is provided. Resolved. - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516235 |  |  | Closed | 2025-05-23 15:49 | 2025-05-29 18:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Calculator Worksheet provided. Resolved - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Income Calculator Worksheet - Due Diligence Vendor-05/XX/2025 | Resolved-Income Calculator Worksheet provided. Resolved - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516235 |  |  | Closed | 2025-05-19 06:48 | 2025-05-23 16:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.1%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 361. An interior and exterior appraisal was completed for this property – see pg 45, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 352. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.1%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 361. An interior and exterior appraisal was completed for this property – see pg 45, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 352. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-05/19/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516235 |  |  | Closed | 2025-05-19 06:48 | 2025-05-23 16:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 361. An interior and exterior appraisal was completed for this property – see pg 45, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 352. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-05/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 361. An interior and exterior appraisal was completed for this property – see pg 45, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 352. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-05/19/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471360 |  |  | Closed | 2025-05-20 06:26 | 2025-05-20 06:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed from Final Closing disclosure on Pg#83. Rate lock date was entered correctly see Pg#'s 261 An interior and exterior appraisal was completed for this property – see pg 43-50 the appraisal disclosure was provided to the borrower(s)- see Pg#'23, 66 and copy of the appraisal was given to the borrower see Pg 23, 66, 260 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-05/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed from Final Closing disclosure on Pg#83. Rate lock date was entered correctly see Pg#'s 261 An interior and exterior appraisal was completed for this property – see pg 43-50 the appraisal disclosure was provided to the borrower(s)- see Pg#'23, 66 and copy of the appraisal was given to the borrower see Pg 23, 66, 260 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-05/20/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5471360 |  |  | Closed | 2025-05-20 06:26 | 2025-05-20 06:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.192%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed from Final Closing disclosure on Pg#83. Rate lock date was entered correctly see Pg#'s 261 An interior and exterior appraisal was completed for this property – see pg 43-50 the appraisal disclosure was provided to the borrower(s)- see Pg#'23, 66 and copy of the appraisal was given to the borrower see Pg 23, 66, 260 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.192%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed from Final Closing disclosure on Pg#83. Rate lock date was entered correctly see Pg#'s 261 An interior and exterior appraisal was completed for this property – see pg 43-50 the appraisal disclosure was provided to the borrower(s)- see Pg#'23, 66 and copy of the appraisal was given to the borrower see Pg 23, 66, 260 for the copy of the disclosure. The loan meets HPML guidelines". - Due Diligence Vendor-05/20/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501801 |  |  | Closed | 2025-05-21 12:06 | 2025-06-09 14:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Mavent is passing, resolved. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Sorry, my mistake on that. Initial CD uploaded for review. - Seller-06/XX/2025 <br>Counter-Loan estimate was provided. Please provide initial CD. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Buyer-06/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial Closing Disclosure - Due Diligence Vendor-05/XX/2025 | Resolved-Initial CD provided. Mavent is passing, resolved. - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501801 |  |  | Closed | 2025-05-21 05:59 | 2025-06-09 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/XX/2025 <br>Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Income Bank Statements uploaded for review. - Buyer-06/XX/2025 <br>Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-05/XX/2025 | Resolved-Borrower 1 Business Bank Statements uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/09/2025 <br>Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501801 |  |  | Closed | 2025-05-21 05:06 | 2025-06-05 09:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested Initial 1003 Provided hence resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Initial 1003 uploaded for review. - Buyer-06/XX/2025 <br>Open-The Initial 1003 is Missing Missing initial 003. - Due Diligence Vendor-05/XX/2025 | Resolved-Requested Initial 1003 Provided hence resolved. - Due Diligence Vendor-06/05/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501844 |  |  | Closed | 2025-05-22 04:06 | 2025-05-29 12:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-In findings. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. ICD attached. - Buyer-05/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-05/XX/2025 | Resolved-In findings. - Due Diligence Vendor-05/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516293 |  |  | Closed | 2025-05-22 11:02 | 2025-06-02 13:08 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Requested Anti Steering Disclosure Provided hence resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/XX/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure. Provide Anti-Steering document<br> - Due Diligence Vendor-05/XX/2025 | Resolved-Requested Anti Steering Disclosure Provided hence resolved. - Due Diligence Vendor-06/02/2025 <br>Resolved-Resolved - Due Diligence Vendor-06/02/2025<br>| XXXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501785 |  |  | Closed | 2025-05-29 17:01 | 2025-05-30 18:26 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Interspousal Grant Deed provided in Findings: XXXX.PDF. Resolved. - Due Diligence Vendor-05/XX/2025 <br> Ready for Review-Document Uploaded. deed attached - Buyer-05/XX/2025 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form (Occupancy is Primary Residence, Loan Purpose is Refinance, and Title Vested by NonBorrower is true). Per the Title Commitment, TITLE TO SAID ESTATE OR INTEREST AT THE DATE HEREOF IS VESTED IN: XXXX. The DOT reads:XXXX. - Due Diligence Vendor-05/XX/2025 | Resolved-Interspousal Grant Deed provided in Findings: XXXX.PDF. Resolved. - Due Diligence Vendor-05/30/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501785 |  |  | Closed | 2025-05-22 11:55 | 2025-05-30 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement and credit report Provided. - Due Diligence Vendor-05/XX/2025 <br>Ready for Review-Document Uploaded. please use mortgage statement and credit report to confirm information - Buyer-05/XX/2025 <br>Open-Missing legal documents for senior or subordinate lien. Provide previous Note. - Due Diligence Vendor-05/XX/2025 | Resolved-Mortgage statement and credit report Provided. - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516234 |  |  | Closed | 2025-05-23 12:00 | 2025-05-29 16:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements exception available in page no #2055 approved to proceed with transaction despite unsatisfactory payment history on 2nd lien secured to subject title. 2nd lien is an XXXX loan taken in name of bwr's business and that was secured to subject, but not a mortgage or personal obligation. pay history of most <br> recent 12 mo indicates derogatory payments > 0x30. Bwr explains this is due to problems with the servicer and auto-deduction function not working. Bwr's individual credit history is spotless with no lates in 24 yrs of traditional credit. Purpose of this refinance is to payoff this XXXX debt and reduce <br> payment significantly for improved financial position and better cash flow. - Due Diligence Vendor-05/XX/2025 | Waived-Housing History Does Not Meet Guideline Requirements exception available in page no #2055 approved to proceed with transaction despite unsatisfactory payment history on 2nd lien secured to subject title. 2nd lien is an XXXX loan taken in name of bwr's business and that was secured to subject, but not a mortgage or personal obligation. pay history of most <br> recent 12 mo indicates derogatory payments > 0x30. Bwr explains this is due to problems with the servicer and auto-deduction function not working. Bwr's individual credit history is spotless with no lates in 24 yrs of traditional credit. Purpose of this refinance is to payoff this XXXX debt and reduce <br> payment significantly for improved financial position and better cash flow. - Due Diligence Vendor-05/23/2025 |  |  | Fico XXXX minimum per guidelines is 700<br> CLTV XXXX Max per guidelines is 80%<br> Residual income- XXXX minimum per guidelines is none | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5501815 |  |  | Closed | 2025-05-28 07:21 | 2025-06-05 09:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested DOT Provided with all applicable Riders hence resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/XX/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-05/XX/2025 | Resolved-Requested DOT Provided with all applicable Riders hence resolved. - Due Diligence Vendor-06/05/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501850 |  |  | Closed | 2025-05-28 08:08 | 2025-05-30 22:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.535%) APR equals or exceeds the Federal HPML threshold of (9.68%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.18%).(12 CFR 1026.35(a)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s missing and the Final Closing disclosure on Pg#'s 483, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 414. An interior and exterior appraisal was completed for this property – see pg 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 470, 404. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/XX/2025 | Resolved-The loan's (11.535%) APR equals or exceeds the Federal HPML threshold of (9.68%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.18%).(12 CFR 1026.35(a)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s missing and the Final Closing disclosure on Pg#'s 483, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 414. An interior and exterior appraisal was completed for this property – see pg 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 470, 404. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5501851 |  |  | Closed | 2025-06-02 10:31 | 2025-06-06 14:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC for Inspection fee. Condition resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Inspection fee added in initial CD. The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/XX/2025 | Resolved-Lender provided COC for Inspection fee. Condition resolved. - Due Diligence Vendor-06/06/2025 <br>Resolved-Resolved - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516253 |  |  | Closed | 2025-06-05 18:38 | 2025-06-09 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/09/2025 <br>Ready for Review-voe - Due Diligence Vendor-06/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/05/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5516253 |  |  | Closed | 2025-06-02 13:01 | 2025-06-02 13:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.434%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 230. An interior and exterior appraisal was completed for this property – see pg 45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 268, and copy of the appraisal was given to the borrower – see Pg#'s 24 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #20. The loan meets HPML guidelines - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.434%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 230. An interior and exterior appraisal was completed for this property – see pg 45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 268, and copy of the appraisal was given to the borrower – see Pg#'s 24 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #20. The loan meets HPML guidelines - Due Diligence Vendor-06/02/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5516253 |  |  | Closed | 2025-06-02 13:01 | 2025-06-02 13:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 230. An interior and exterior appraisal was completed for this property – see pg 45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 268, and copy of the appraisal was given to the borrower – see Pg#'s 24 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #20. The loan meets HPML guidelines - Due Diligence Vendor-06/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 230. An interior and exterior appraisal was completed for this property – see pg 45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 268, and copy of the appraisal was given to the borrower – see Pg#'s 24 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #20. The loan meets HPML guidelines - Due Diligence Vendor-06/02/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5916447 |  |  | Closed | 2025-06-03 11:34 | 2025-06-05 20:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.431%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 209 and the Final Closing disclosure on Pg# 92 reflects escrows. Rate lock date was entered correctly see Pg.'s 257 An interior and exterior appraisal was completed for this property – see pg. 32 the appraisal disclosure was provided to the borrower(s)- see Pg#'32 and copy of the appraisal was given to the borrower see Pg# 32 for the copy of the disclosure, ECOA disclosure page no #254. The loan meets HPML guidelines." <br> - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.431%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 209 and the Final Closing disclosure on Pg# 92 reflects escrows. Rate lock date was entered correctly see Pg.'s 257 An interior and exterior appraisal was completed for this property – see pg. 32 the appraisal disclosure was provided to the borrower(s)- see Pg#'32 and copy of the appraisal was given to the borrower see Pg# 32 for the copy of the disclosure, ECOA disclosure page no #254. The loan meets HPML guidelines." <br> - Due Diligence Vendor-06/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916447 |  |  | Closed | 2025-06-03 11:34 | 2025-06-05 20:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 209 and the Final Closing disclosure on Pg# 92 reflects escrows. Rate lock date was entered correctly see Pg.'s 257 An interior and exterior appraisal was completed for this property – see pg. 32 the appraisal disclosure was provided to the borrower(s)- see Pg#'32 and copy of the appraisal was given to the borrower see Pg# 32 for the copy of the disclosure, ECOA disclosure page no #254. The loan meets HPML guidelines." <br> - Due Diligence Vendor-06/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 209 and the Final Closing disclosure on Pg# 92 reflects escrows. Rate lock date was entered correctly see Pg.'s 257 An interior and exterior appraisal was completed for this property – see pg. 32 the appraisal disclosure was provided to the borrower(s)- see Pg#'32 and copy of the appraisal was given to the borrower see Pg# 32 for the copy of the disclosure, ECOA disclosure page no #254. The loan meets HPML guidelines." <br> - Due Diligence Vendor-06/03/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516255 |  |  | Closed | 2025-06-03 12:18 | 2025-06-09 14:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC dated 4/XX/2025 provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($311.00) were applied to the total fee variance of ($560.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($311.00) were applied to the total fee variance of ($560.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/XX/2025 | Resolved-COC dated XXXX provided. - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516255 |  |  | Closed | 2025-06-05 16:42 | 2025-06-09 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-gap credit - Due Diligence Vendor-06/XX/2025 <br>Open-Gap report is not dated w/in 10 business days of closing. - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516255 |  |  | Closed | 2025-06-03 12:11 | 2025-06-09 08:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-lock - Due Diligence Vendor-06/XX/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516255 |  |  | Closed | 2025-06-03 12:18 | 2025-06-09 14:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-06/XX/2025 <br>Resolved-The loan's (11.521%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 175 and the Final Closing disclosure on Pg#85 reflects escrows. Rate lock date was entered correctly see Pg# missing An interior and exterior appraisal was completed for this property – see Page# 19 the appraisal disclosure was provided to the borrower(s)- see Pg# 18, and copy of the appraisal was given to the borrower see Pg# 19 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/XX/2025 | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-06/09/2025 <br>Resolved-The loan's (11.521%) APR equals or exceeds the Federal HPML threshold of (10.12%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 175 and the Final Closing disclosure on Pg#85 reflects escrows. Rate lock date was entered correctly see Pg# missing An interior and exterior appraisal was completed for this property – see Page# 19 the appraisal disclosure was provided to the borrower(s)- see Pg# 18, and copy of the appraisal was given to the borrower see Pg# 19 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516255 |  |  | Closed | 2025-06-03 12:18 | 2025-06-09 14:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-HPML requirements have been met and an interior appraisal was performed.<br> - Due Diligence Vendor-06/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 175 and the Final Closing disclosure on Pg#85 reflects escrows. Rate lock date was entered correctly see Pg# missing An interior and exterior appraisal was completed for this property – see Page# 19 the appraisal disclosure was provided to the borrower(s)- see Pg# 18, and copy of the appraisal was given to the borrower see Pg# 19 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/XX/2025 | Resolved-HPML requirements have been met and an interior appraisal was performed.<br> - Due Diligence Vendor-06/09/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 175 and the Final Closing disclosure on Pg#85 reflects escrows. Rate lock date was entered correctly see Pg# missing An interior and exterior appraisal was completed for this property – see Page# 19 the appraisal disclosure was provided to the borrower(s)- see Pg# 18, and copy of the appraisal was given to the borrower see Pg# 19 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/03/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661487 |  |  | Closed | 2025-06-03 09:16 | 2025-06-13 12:09 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/XX/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-PDI - Due Diligence Vendor-06/XX/2025 <br> Escalated-Escalating for XXXX review - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Exception was approved to use AVM only - Due Diligence Vendor-06/XX/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The Property Condition Inspection is missing. Per Matrix: Loan Amt <= $XXXX: AMV with a 90% Confidence Factor AND Property Condition Inspection. The AVM is in file on p 9 however the Property Condition Inspection is missing.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-Secondary Valuation is missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/13/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661487 |  |  | Closed | 2025-06-03 09:54 | 2025-06-10 22:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Counseling Disclosure Received, Resolved. - Due Diligence Vendor-06/XX/2025 <br>Counter- Housing Counselors Disclosure received but Toolkit is missing. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Toolkit is only required on purchase. Attached is counseling agency - Due Diligence Vendor-06/XX/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Consumer Caution and Home Owner Counseling Notice / TOOLKIT is missing. - Due Diligence Vendor-06/XX/2025 | Resolved-Counseling Disclosure Received, Resolved. - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516258 |  |  | Closed | 2025-06-03 18:13 | 2025-06-09 15:40 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-06/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Required COC to cure tolerance in Initial CD. 04/XX/2025.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-Lender provided COC. Condition resolved. - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516258 |  |  | Closed | 2025-06-03 18:13 | 2025-06-09 15:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.671%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 234. An interior and exterior appraisal was completed for this property – see pg 40-73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 278- 281, and confirmation the appraisal was delivered to the borrower – see Pg#'s 38,230. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-The loan's (11.671%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 234. An interior and exterior appraisal was completed for this property – see pg 40-73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 278- 281, and confirmation the appraisal was delivered to the borrower – see Pg#'s 38,230. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-The loan's (11.671%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 90 and the Final Closing disclosure on Pg#'s 90, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 234. An interior and exterior appraisal was completed for this property – see pg 40-73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 278- 281, and confirmation the appraisal was delivered to the borrower – see Pg#'s 38,230. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (11.671%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 234. An interior and exterior appraisal was completed for this property – see pg 40-73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 278- 281, and confirmation the appraisal was delivered to the borrower – see Pg#'s 38,230. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/09/2025 <br>Resolved-The loan's (11.671%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 234. An interior and exterior appraisal was completed for this property – see pg 40-73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 278- 281, and confirmation the appraisal was delivered to the borrower – see Pg#'s 38,230. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/09/2025 <br>Resolved-The loan's (11.671%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 90 and the Final Closing disclosure on Pg#'s 90, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 234. An interior and exterior appraisal was completed for this property – see pg 40-73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 278- 281, and confirmation the appraisal was delivered to the borrower – see Pg#'s 38,230. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516259 |  |  | Closed | 2025-06-03 05:27 | 2025-06-12 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income calculation worksheet provided hence resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-income ws - Due Diligence Vendor-06/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet in file - Due Diligence Vendor-06/XX/2025 | Resolved-Requested Income calculation worksheet provided hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516259 |  |  | Closed | 2025-06-03 06:08 | 2025-06-12 09:31 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated 1008 provided with the FICO that is matching to Credit Liabilities hence resolved. - Due Diligence Vendor-06/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide updated 1008 - Due Diligence Vendor-06/XX/2025 | Resolved-Requested updated 1008 provided with the FICO that is matching to Credit Liabilities hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516259 |  |  | Closed | 2025-06-03 07:40 | 2025-06-09 14:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided - Due Diligence Vendor-06/XX/2025 <br>Open-comment in LM - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($200.00). The Last CD shows a total lender credit amount of ($185.43). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased from $200 on the initial LE to $185.43 and a Change of Circumstance was not provided. - Due Diligence Vendor-06/XX/2025 | Resolved-COC provided - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516259 |  |  | Closed | 2025-06-03 07:40 | 2025-06-09 14:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-06/XX/2025 <br> Open-comment in LM - Due Diligence Vendor-06/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#327 and the Final Closing disclosure on Pg#218. Rate lock date was entered correctly see Pg#'s 352 An interior and exterior appraisal was completed for this property – see pg no31-34 the appraisal disclosure was provided to the borrower(s)- see Pg#'12,385 and copy of the appraisal was given to the borrower see Pg 12,385 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-06/XX/2025 | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-06/09/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#327 and the Final Closing disclosure on Pg#218. Rate lock date was entered correctly see Pg#'s 352 An interior and exterior appraisal was completed for this property – see pg no31-34 the appraisal disclosure was provided to the borrower(s)- see Pg#'12,385 and copy of the appraisal was given to the borrower see Pg 12,385 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-06/03/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516259 |  |  | Closed | 2025-06-03 07:40 | 2025-06-09 14:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-06/XX/2025 <br>Open-comment in LM - Due Diligence Vendor-06/XX/2025 <br>Resolved-The loan's (10.894%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#327 and the Final Closing disclosure on Pg#218. Rate lock date was entered correctly see Pg#'s 352 An interior and exterior appraisal was completed for this property – see pg no31-34 the appraisal disclosure was provided to the borrower(s)- see Pg#'12,385 and copy of the appraisal was given to the borrower see Pg 12,385 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-06/XX/2025 | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-06/09/2025 <br>Resolved-The loan's (10.894%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#327 and the Final Closing disclosure on Pg#218. Rate lock date was entered correctly see Pg#'s 352 An interior and exterior appraisal was completed for this property – see pg no31-34 the appraisal disclosure was provided to the borrower(s)- see Pg#'12,385 and copy of the appraisal was given to the borrower see Pg 12,385 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-06/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516260 |  |  | Closed | 2025-06-03 11:21 | 2025-06-12 09:41 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated 1008 provided with the FICO that is matching to Credit Liabilities hence resolved. - Due Diligence Vendor-06/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. 1008 document as incorrect Fico as Qualifying Fico method selected primary wage earner selected - Due Diligence Vendor-06/XX/2025 | Resolved-Requested updated 1008 provided with the FICO that is matching to Credit Liabilities hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516262 |  |  | Closed | 2025-06-05 21:04 | 2025-06-09 15:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC from provided. Finding did not clear because LC decreased from 208 to 207.50. Difference is 0.50. - Due Diligence Vendor-06/XX/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($208.00). The Last CD shows a total lender credit amount of ($207.50). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($830.00). The Last CD shows a total lender credit amount of ($207.50). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Fired due to LC on initial LE that decreased on rate lock LE. Missing COC form. To cure please provide PCCD, LOE POD and evidence of refund check. - Due Diligence Vendor-06/XX/2025 | Resolved-COC from provided. Finding did not clear because LC decreased from XXXX. Difference is 0.50. - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661468 |  |  | Closed | 2025-06-03 08:46 | 2025-06-09 23:01 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 provided in Findings:XXXX. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Resolved-1008 Provided, Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-1008 - Due Diligence Vendor-06/XX/2025 <br> Open-The 1008 document is missing from the loan file. Provided 1008 document is missing with Amount of Subordinate Financing information. Appraisal value reflecting as $XXXX but as per appraisal value $XXXX due to which LTV, CLTV values differ. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 provided in Findings:XXXX. Resolved. - Due Diligence Vendor-06/09/2025 <br> Resolved-1008 Provided, Resolved. - Due Diligence Vendor-06/09/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916449 |  |  | Closed | 2025-06-03 09:54 | 2025-06-24 16:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-voe - Due Diligence Vendor-06/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE provided in file dated XXXX. Note date is 5/XX/2025. - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916449 |  |  | Closed | 2025-06-03 11:07 | 2025-06-03 11:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.574%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 298 and the Final Closing disclosure on Pg#'s 212, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 330. An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 335, and confirmation the appraisal was delivered to the borrower – see Pg#'s 13. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (11.574%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) HPML-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 298 and the Final Closing disclosure on Pg#'s 212, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 330. An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 335, and confirmation the appraisal was delivered to the borrower – see Pg#'s 13. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-06/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907052 |  |  | Closed | 2025-06-04 10:57 | 2025-06-16 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Please see social security - Buyer-06/XX/2025 <br>Open-Borrower 1 Award Letter Missing Social Security income docs missing from file. - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-06/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854064 |  |  | Closed | 2025-06-04 08:24 | 2025-06-24 15:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX approves exception. 711 FICO. 680 Min. 66.52% CLTV. Max CLTV is 80% 9 Years on job - Due Diligence Vendor-06/XX/2025 <br> Escalated-Escalating for XXXX Review - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Exception provided - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX FICO. 680 Min.<br> 66.52% CLTV. Max CLTV is 80%<br> 9 Years on job - Due Diligence Vendor-06/XX/2025 <br> Escalated-Escalating for XXXX review. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see uploaded XXXX internal exception approval for LTV exceed guidelines - Due Diligence Vendor-06/XX/2025 <br> Open-Audited DTI of 46.37% exceeds Guideline DTI of 45% Calculated DTI 47.76%, exceeds GL's Max DTI of 45% - Due Diligence Vendor-06/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-06/24/2025<br>| XXXX |  | LTV is 66.52%. Maximum allowed per guidelines is 80%.<br> Credit Score is XXXX. Minimum required per guidelines is 680.<br> Job Stability Years on Job is 8+ Years required is 2+ Years. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5854064 |  |  | Closed | 2025-06-04 08:08 | 2025-06-04 23:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.331%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'96 <br> Rate lock date was entered correctly – see Pg#'s 92 <br> An interior and exterior appraisal was completed for this property – see pg#36, 49-56 <br> ECOA Appraisal Disclosure OR the LE's page as the page#368 <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 36 <br> The loan meets HPML Guidelines, resolved. <br>- Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (11.331%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'96 <br> Rate lock date was entered correctly – see Pg#'s 92 <br> An interior and exterior appraisal was completed for this property – see pg#36, 49-56 <br> ECOA Appraisal Disclosure OR the LE's page as the page#368 <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 36 <br> The loan meets HPML Guidelines, resolved. <br>- Due Diligence Vendor-06/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916450 |  |  | Closed | 2025-06-04 06:15 | 2025-07-22 14:44 | Resolved | 1 - Information C A | Compliance | Late:Amount | North Carolina - Maximum Late Fee | Resolved-Updated Note received in Findings: XXX.PDF. Late fee updated to 4% and XX re-run and now passes. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED NOTE. YOU FOLKS SHOULD HAVE ORIGINAL OF THIS - Due Diligence Vendor-07/XX/2025 <br> Counter-The XXXX prohibit a late fee exceeding 4% of the amount of the late payment in a closed end loan less than $300,000. XXXX This is state specific finding, NC state has limitations on late Fee charges. The ($34.57) late fee amount or (5.0%) late fee percent exceeds 4%. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-The XXXX prohibit a late fee exceeding 4% of the amount of the late payment in a closed end loan less than $300,000. XXXX This is state specific finding, NC state has limitations on late Fee charges. The ($34.57) late fee amount or (5.0%) late fee percent exceeds 4%. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX accurately excluded its settlement and closing fee from the finance charge calculation and XXXX's calculations are correct. Fees that should be excluded from the finance charge calculation include "Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents." 12 CFR 1026.4(c)(7). The settlement and closing fee includes these activities. And the CFPB provides extensive guidance about closing fees that include other charges, addressing lump-sum charges from a title company:<br>2. Lump-sum charges. If a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge. However, a lump sum charged for conducting or attending a closing (for example, by a lawyer or a title company) is excluded from the finance charge if the charge is primarily for services related to items listed in § 1026.4(c)(7) (for example, reviewing or completing documents), even if other incidental services such as explaining various documents or disbursing funds for the parties are performed. The entire charge is excluded even if a fee for the incidental services would be a finance charge if it were imposed separately.<br>Official Interpretation of 4(c)(7) Real Estate Related Charges. On these files, the title company charges for document preparation and review and other services as a bundle. The fee is fully excluded.<br>Even "if the creditor requires the use of a closing agent," and charged outside a bundle, the fee should be excluded if it is "a fee that would be paid in a comparable cash transaction may be excluded under § 1026.4(a)." Official Interpretation of 4(a)(2) Special Rule; Closing Agent Charges. An example from the CFPB guidance illustrates when a closing agent or settlement fee would be excluded:<br>iii. If the charge in a credit transaction exceeds the charge imposed in a comparable cash transaction, only the difference is a finance charge. For example:<br>A. If an escrow agent is used in both cash and credit sales of real estate and the agent's charge is $100 in a cash transaction and $150 in a credit transaction, only $50 is a finance charge.<br>Official Interpretation of 4(a) Definition. The closing agent's fees for these files are identical for credit and cash transactions.<br>Bundled settlement and closing fees are fully excludable. Closing agent fees that are the same for cash and credit transactions are fully excludable. XXXX properly excluded the fees at issue under 1026.4. XXXX would be happy to discuss this via a phone call to understand XXXX's position.<br>- Due Diligence Vendor-06/XX/2025 <br> Open-The ($34.57) late fee amount or (5.0%) late fee percent exceeds 4% of the amount in default. The XXXX prohibit a late fee exceeding 4% of the amount of the late payment in a closed end loan less than $300,000. XXXX This is state specific finding, XXXX state has limitations on late Fee charges. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated Note received in Findings: XXX.PDF. Late fee updated to 4% and Mavent re-run and now passes. Resolved. - Due Diligence Vendor-07/22/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916450 |  |  | Closed | 2025-06-04 18:25 | 2025-06-06 21:39 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The 1008 does not reflect the FICO score while the Primary Wage Earner Mid Score is XXXX. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516276 |  |  | Closed | 2025-06-04 16:55 | 2025-06-06 20:39 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with FICO of XXXX included provided in Findings: XXXX. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see updated updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on 1008 does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. The 1008 does not reflect a FICO score while the Primary Wage Earner Mid Score is XXXX. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 with FICO of XXXX included provided in Findings: XXXX. Resolved. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516277 |  |  | Closed | 2025-06-04 07:06 | 2025-06-06 21:23 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Provided, Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see uploaded updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. 1008 provided does not reflect qualifying FICO Score. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 Provided, Resolved. - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916451 |  |  | Closed | 2025-06-04 18:53 | 2025-07-26 21:40 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Entries updated. PC Mavent is passing. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-PLEASE SPELL EXACTLY WHY CURE DOCS NOT SUFFICIENT. THANK YOU! - Due Diligence Vendor-07/XX/2025 <br> Open-The LC iao $50 will not clear this fail. Mavent reported the finance charge ($XXXX) is ($XXXX) below the actual finance charge calculated as ($XXXX). The finance charge on the PCCD provided still reflects XXXX. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-XXXX CURE DOCS - Due Diligence Vendor-07/XX/2025 <br> Counter-Based on the client's rebuttal, Selene does not agree that the settlement charge should be excluded from the finance charge. There is no evidence in the file to suggest a lump sum exclusion given that various 4(c)(7) fees including the appraisal, title search and credit report fees are separately itemized according to the CD.<br>We would also generally view the settlement agent fee as required by the creditor given that we understand the creditor typically requires use of a closing agent for transactions. This is supported by the placement of the fee on the CD (Sections B and C require an itemization of the services and corresponding costs for each of the settlement services required by the creditor). As a result, the charge would seem to be includable under the special rule for closing agent charges given that the services appear to be required by the creditor.<br> - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX accurately excluded its settlement and closing fee from the finance charge calculation and XXXX's calculations are correct. Fees that should be excluded from the finance charge calculation include "Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents." 12 CFR 1026.4(c)(7). The settlement and closing fee includes these activities. And the CFPB provides extensive guidance about closing fees that include other charges, addressing lump-sum charges from a title company:<br>2. Lump-sum charges. If a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge. However, a lump sum charged for conducting or attending a closing (for example, by a lawyer or a title company) is excluded from the finance charge if the charge is primarily for services related to items listed in § 1026.4(c)(7) (for example, reviewing or completing documents), even if other incidental services such as explaining various documents or disbursing funds for the parties are performed. The entire charge is excluded even if a fee for the incidental services would be a finance charge if it were imposed separately.<br>Official Interpretation of 4(c)(7) Real Estate Related Charges. On these files, the title company charges for document preparation and review and other services as a bundle. The fee is fully excluded.<br>Even "if the creditor requires the use of a closing agent," and charged outside a bundle, the fee should be excluded if it is "a fee that would be paid in a comparable cash transaction may be excluded under § 1026.4(a)." Official Interpretation of 4(a)(2) Special Rule; Closing Agent Charges. An example from the CFPB guidance illustrates when a closing agent or settlement fee would be excluded:<br>iii. If the charge in a credit transaction exceeds the charge imposed in a comparable cash transaction, only the difference is a finance charge. For example:<br>A. If an escrow agent is used in both cash and credit sales of real estate and the agent's charge is $100 in a cash transaction and $150 in a credit transaction, only $50 is a finance charge.<br>Official Interpretation of 4(a) Definition. The closing agent's fees for these files are identical for credit and cash transactions.<br>Bundled settlement and closing fees are fully excludable. Closing agent fees that are the same for cash and credit transactions are fully excludable. XXXX properly excluded the fees at issue under 1026.4. XXXX would be happy to discuss this via a phone call to understand XXXX's position.<br>- Due Diligence Vendor-06/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) Please advise if recording service fee iao $50 was included in testing. Please provide compliance report used for texting to review fees included in testing. - Due Diligence Vendor-06/XX/2025 | Resolved-Entries updated. PC Mavent is passing. Resolved. - Due Diligence Vendor-07/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916451 |  |  | Closed | 2025-06-04 18:16 | 2025-06-06 21:40 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see uploaded 1008 - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see uploaded updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO score field on 1008 provided is blank - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916451 |  |  | Closed | 2025-06-04 04:04 | 2025-06-05 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Requested updated title report provided hence resolved. - Due Diligence Vendor-06/XX/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Pls see uploaded title report and title chain of commitment. - Due Diligence Vendor-06/XX/2025 <br>Open-Title Document is missing Title Document provided is blank. - Due Diligence Vendor-06/XX/2025 | Resolved-Requested updated title report provided hence resolved. - Due Diligence Vendor-06/05/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916451 |  |  | Closed | 2025-06-04 05:48 | 2025-07-26 14:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.543%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'53<br> Rate lock date was entered correctly – see Pg#'s 52,225<br> An interior and exterior appraisal was completed for this property – see pg#33,<br> Appraisal Disclosure on the LE's page#227.<br> Appraisal waiver executed by the borrower page 266.<br> The loan meets HPML Guidelines, resolved. <br> - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.543%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'53<br> Rate lock date was entered correctly – see Pg#'s 52,225<br> An interior and exterior appraisal was completed for this property – see pg#33,<br> Appraisal Disclosure on the LE's page#227.<br> Appraisal waiver executed by the borrower page 266.<br> The loan meets HPML Guidelines, resolved. <br> - Due Diligence Vendor-06/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916452 |  |  | Closed | 2025-06-04 06:54 | 2025-07-25 23:16 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Received documentation. Finding has been resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Pending review of client documents. - Due Diligence Vendor-07/XX/2025 <br> Open-Pending review - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-CURE DOCS - Due Diligence Vendor-07/XX/2025 <br> Counter-Based on the client's rebuttal, Selene does not agree that the settlement charge should be excluded from the finance charge. There is no evidence in the file to suggest a lump some exclusion given that various 4(c)(7) fees including the appraisal, title search and credit report fees are separately itemized according to the CD.<br>We would also generally view the settlement agent fee as required by the creditor given that we understand the creditor typically requires use of a closing agent for transactions. This is supported by the placement of the fee on the CD (Sections B and C require an itemization of the services and corresponding costs for each of the settlement services required by the creditor). As a result, the charge would seem to be includable under the special rule for closing agent charges given that the services appear to be required by the creditor.<br> - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX accurately excluded its settlement and closing fee from the finance charge calculation and XXXX's calculations are correct. Fees that should be excluded from the finance charge calculation include "Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents." 12 CFR 1026.4(c)(7). The settlement and closing fee includes these activities. And the CFPB provides extensive guidance about closing fees that include other charges, addressing lump-sum charges from a title company:<br>2. Lump-sum charges. If a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge. However, a lump sum charged for conducting or attending a closing (for example, by a lawyer or a title company) is excluded from the finance charge if the charge is primarily for services related to items listed in § 1026.4(c)(7) (for example, reviewing or completing documents), even if other incidental services such as explaining various documents or disbursing funds for the parties are performed. The entire charge is excluded even if a fee for the incidental services would be a finance charge if it were imposed separately.<br>Official Interpretation of 4(c)(7) Real Estate Related Charges. On these files, the title company charges for document preparation and review and other services as a bundle. The fee is fully excluded.<br>Even "if the creditor requires the use of a closing agent," and charged outside a bundle, the fee should be excluded if it is "a fee that would be paid in a comparable cash transaction may be excluded under § 1026.4(a)." Official Interpretation of 4(a)(2) Special Rule; Closing Agent Charges. An example from the CFPB guidance illustrates when a closing agent or settlement fee would be excluded:<br>iii. If the charge in a credit transaction exceeds the charge imposed in a comparable cash transaction, only the difference is a finance charge. For example:<br>A. If an escrow agent is used in both cash and credit sales of real estate and the agent's charge is $XXXX in a cash transaction and $XXXX in a credit transaction, only $XXXX is a finance charge.<br>Official Interpretation of 4(a) Definition. The closing agent's fees for these files are identical for credit and cash transactions.<br>Bundled settlement and closing fees are fully excludable. Closing agent fees that are the same for cash and credit transactions are fully excludable. XXXX properly excluded the fees at issue under 1026.4. XXXX would be happy to discuss this via a phone call to understand XXXX's position.<br>- Due Diligence Vendor-06/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) he disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). - Due Diligence Vendor-06/XX/2025 | Resolved-Received documentation. Finding has been resolved. - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916452 |  |  | Closed | 2025-06-04 06:30 | 2025-06-06 21:15 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 provided in Findings: XXXX reflects the FICO score of XXXX. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Open-The 1008 document is missing from the loan file. The FICO score on the 1008 is missing. Mid-score of XXXX used for qualifying. - Due Diligence Vendor-06/XX/2025 | Resolved-1008 provided in Findings: XXXX reflects the FICO score of XXXX. Resolved. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916452 |  |  | Closed | 2025-06-04 06:54 | 2025-07-24 23:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.352%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 251 An interior and exterior appraisal was completed for this property – see pg 35-39 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s21 , and copy of the appraisal was given to the borrower – see Pg#'s 243 for the copy of the disclosure. The loan meets HPML guidelines. 2nd lien. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.352%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 251 An interior and exterior appraisal was completed for this property – see pg 35-39 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s21 , and copy of the appraisal was given to the borrower – see Pg#'s 243 for the copy of the disclosure. The loan meets HPML guidelines. 2nd lien. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.352%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 251 An interior and exterior appraisal was completed for this property – see pg 35-39 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s21 , and copy of the appraisal was given to the borrower – see Pg#'s 243 for the copy of the disclosure. The loan meets HPML guidelines. 2nd lien. Resolved. - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.352%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 251 An interior and exterior appraisal was completed for this property – see pg 35-39 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s21 , and copy of the appraisal was given to the borrower – see Pg#'s 243 for the copy of the disclosure. The loan meets HPML guidelines. 2nd lien. Resolved. - Due Diligence Vendor-07/24/2025 <br>Resolved-The loan's (10.352%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 251 An interior and exterior appraisal was completed for this property – see pg 35-39 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s21 , and copy of the appraisal was given to the borrower – see Pg#'s 243 for the copy of the disclosure. The loan meets HPML guidelines. 2nd lien. Resolved. - Due Diligence Vendor-07/24/2025 <br>Resolved-The loan's (10.352%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) Requirements of HPML have been met. Resolved. <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 251 An interior and exterior appraisal was completed for this property – see pg 35-39 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s21 , and copy of the appraisal was given to the borrower – see Pg#'s 243 for the copy of the disclosure. The loan meets HPML guidelines. 2nd lien. Resolved. - Due Diligence Vendor-06/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661453 |  |  | Closed | 2025-06-04 07:55 | 2025-06-09 10:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Pay stubs are less than 1 month in file, provided Required paystubs , changes made in system, Finding Resolved - Due Diligence Vendor-06/XX/2025 <br>Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Pls see uploaded paystub - Due Diligence Vendor-06/XX/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided. - Due Diligence Vendor-06/XX/2025 | Resolved-Pay stubs are less than 1 month in file, provided Required paystubs , changes made in system, Finding Resolved - Due Diligence Vendor-06/09/2025 <br>Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661453 |  |  | Closed | 2025-06-04 18:36 | 2025-06-06 21:38 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Pls see updated 1008 - Due Diligence Vendor-06/XX/2025 <br>Open-Qualifying FICO on 1008 does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. The 1008 did not contain borrower's qualifying FICO score. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661453 |  |  | Closed | 2025-06-04 07:32 | 2025-06-04 07:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.812%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _70___ and the Final Closing disclosure on Pg#'s _70___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _230____ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__24_ , and copy of the appraisal was given to the borrower – see Pg#'s __24___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (11.812%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _70___ and the Final Closing disclosure on Pg#'s _70___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _230____ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__24_ , and copy of the appraisal was given to the borrower – see Pg#'s __24___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916453 |  |  | Closed | 2025-06-04 22:23 | 2025-08-18 17:34 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Acknowledged- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-XXXX approves exception. Borrower has an individual policy that provides full coverage of the property.<br>Comp Factors:<br> FICO 749<br> Residual Income double (XXXX) the required amount of $2500<br> - Due Diligence Vendor-06/XX/2025 <br> Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/XX/2025 <br> Counter-Per Appraisal, the subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-This is a Single Family Residential. There is no mater policy - Due Diligence Vendor-06/XX/2025 <br> Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-06/XX/2025 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/23/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916453 |  |  | Closed | 2025-06-04 07:11 | 2025-06-12 22:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX approves exception for DTI of 46%. Comp Factors: XXXX FICO, $XXXX residual income, 13 years on job - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX approves DTI exception. XXXX FICO. 680 Min.<br> 66.52% CLTV. Max CLTV is 80%. 9 years on job. - Due Diligence Vendor-06/XX/2025 <br> Escalated-Escalated for XXXX review. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Exception - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see uploaded XXXX internal exception approval for LTV exceed guidelines - Due Diligence Vendor-06/XX/2025 <br> Open-Audited DTI of 46.32% exceeds Guideline DTI of 45% Audited DTI of 46.32% is exceeding the G/L mentioned Max DTI 45%. - Due Diligence Vendor-06/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-06/12/2025<br>| XXXX |  | 1. Credit Score is XXXX. Minimum required per guidelines is 680.<br> 2. Residual Income is $XXXX. Minimum Residual Income required per guidelines is $2500. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916453 |  |  | Closed | 2025-06-04 06:06 | 2025-06-06 13:51 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Lender provided 1008 with credit score. Condition resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The 1008 document is missing from the loan file. Provide 1008 with subject FICO. Qualifying FICO is missing on 1008 in file. - Due Diligence Vendor-06/XX/2025 | Resolved-Lender provided 1008 with credit score. Condition resolved. - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916453 |  |  | Closed | 2025-06-04 08:15 | 2025-06-05 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Mortgage Statement Provided for Senior Lien hence resolved. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Pls see attached mortgage statement for the 1st lien - Due Diligence Vendor-06/XX/2025 <br>Open-Provide 1st lien Note. Per guideline section under Sr. lien terms pg 15, guidelines restrict certain types of 1st lien loans. Unable to verify without Note terms. - Due Diligence Vendor-06/XX/2025 | Resolved-Requested Mortgage Statement Provided for Senior Lien hence resolved. - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916453 |  |  | Closed | 2025-06-04 07:06 | 2025-06-04 22:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.924%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'68<br> Rate lock date was entered correctly – see Pg#'s 65<br> An interior and exterior appraisal was completed for this property – see pg#21, <br> ECOA Appraisal Disclosure OR the LE's page as the page#234.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 92.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.924%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'68<br> Rate lock date was entered correctly – see Pg#'s 65<br> An interior and exterior appraisal was completed for this property – see pg#21, <br> ECOA Appraisal Disclosure OR the LE's page as the page#234.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 92.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-06/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940507 |  |  | Closed | 2025-06-04 05:31 | 2025-09-05 16:48 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Resolved - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-See below - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX accurately excluded its settlement and closing fee from the finance charge calculation and XXXX's calculations are correct. Fees that should be excluded from the finance charge calculation include "Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents." 12 CFR 1026.4(c)(7). The settlement and closing fee includes these activities. And the CFPB provides extensive guidance about closing fees that include other charges, addressing lump-sum charges from a title company:<br>2. Lump-sum charges. If a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge. However, a lump sum charged for conducting or attending a closing (for example, by a lawyer or a title company) is excluded from the finance charge if the charge is primarily for services related to items listed in § 1026.4(c)(7) (for example, reviewing or completing documents), even if other incidental services such as explaining various documents or disbursing funds for the parties are performed. The entire charge is excluded even if a fee for the incidental services would be a finance charge if it were imposed separately.<br>Official Interpretation of 4(c)(7) Real Estate Related Charges. On these files, the title company charges for document preparation and review and other services as a bundle. The fee is fully excluded.<br>Even "if the creditor requires the use of a closing agent," and charged outside a bundle, the fee should be excluded if it is "a fee that would be paid in a comparable cash transaction may be excluded under § 1026.4(a)." Official Interpretation of 4(a)(2) Special Rule; Closing Agent Charges. An example from the CFPB guidance illustrates when a closing agent or settlement fee would be excluded:<br>iii. If the charge in a credit transaction exceeds the charge imposed in a comparable cash transaction, only the difference is a finance charge. For example:<br>A. If an escrow agent is used in both cash and credit sales of real estate and the agent's charge is $100 in a cash transaction and $150 in a credit transaction, only $50 is a finance charge.<br>Official Interpretation of 4(a) Definition. The closing agent's fees for these files are identical for credit and cash transactions.<br>Bundled settlement and closing fees are fully excludable. Closing agent fees that are the same for cash and credit transactions are fully excludable. XXXX properly excluded the fees at issue under 1026.4. XXXX would be happy to discuss this via a phone call to understand XXXX's position.<br>XXXX accurately excluded its settlement and closing fee from the finance charge calculation and XXXX's calculations are correct. Fees that should be excluded from the finance charge calculation include "Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents." 12 CFR 1026.4(c)(7). The settlement and closing fee includes these activities. And the CFPB provides extensive guidance about closing fees that include other charges, addressing lump-sum charges from a title company:<br>2. Lump-sum charges. If a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge. However, a lump sum charged for conducting or attending a closing (for example, by a lawyer or a title company) is excluded from the finance charge if the charge is primarily for services related to items listed in § 1026.4(c)(7) (for example, reviewing or completing documents), even if other incidental services such as explaining various documents or disbursing funds for the parties are performed. The entire charge is excluded even if a fee for the incidental services would be a finance charge if it were imposed separately.<br>Official Interpretation of 4(c)(7) Real Estate Related Charges. On these files, the title company charges for document preparation and review and other services as a bundle. The fee is fully excluded.<br>Even "if the creditor requires the use of a closing agent," and charged outside a bundle, the fee should be excluded if it is "a fee that would be paid in a comparable cash transaction may be excluded under § 1026.4(a)." Official Interpretation of 4(a)(2) Special Rule; Closing Agent Charges. An example from the CFPB guidance illustrates when a closing agent or settlement fee would be excluded:<br>iii. If the charge in a credit transaction exceeds the charge imposed in a comparable cash transaction, only the difference is a finance charge. For example:<br>A. If an escrow agent is used in both cash and credit sales of real estate and the agent's charge is $100 in a cash transaction and $150 in a credit transaction, only $50 is a finance charge.<br>Official Interpretation of 4(a) Definition. The closing agent's fees for these files are identical for credit and cash transactions.<br>Bundled settlement and closing fees are fully excludable. Closing agent fees that are the same for cash and credit transactions are fully excludable. XXXX properly excluded the fees at issue under 1026.4. XXXX would be happy to discuss this via a phone call to understand XXXX's position.<br>We do not agree with the cures. Pls see attached LOX from our attorney. <br> - Due Diligence Vendor-06/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) As per final CD disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-06/XX/2025 | Resolved-Resolved - Due Diligence Vendor-09/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940507 |  |  | Closed | 2025-06-05 22:16 | 2025-09-05 16:48 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-Refund issued for $XXXX - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-CURE DOCS - Due Diligence Vendor-07/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-06/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-06/XX/2025 | Resolved-Resolved - Due Diligence Vendor-09/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940507 |  |  | Closed | 2025-06-04 05:33 | 2025-09-05 16:47 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-See below - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see uploaded lox - Due Diligence Vendor-06/XX/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than $35 when compared to the actual Total of Payments of ($XXXX). The difference is ($85.59). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) As per final CD disclosed Total of Payments ($XXXX) is understated by more than $35 when compared to the actual Total of Payments of ($XXXX). The difference is ($85.59). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-06/XX/2025 | Resolved-Resolved - Due Diligence Vendor-09/05/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940507 |  |  | Closed | 2025-06-04 20:16 | 2025-09-05 16:47 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Refund issued for XXXX - Due Diligence Vendor-09/XX/2025 <br> Cured- - Due Diligence Vendor-09/XX/2025 <br> Resolved-Refund issued for XXXX - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Pls see uploaded LoX - Due Diligence Vendor-06/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($180.05) were applied to the total fee variance of ($191.45) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-06/XX/2025 | Cured-Refund issued for $135.59 - Due Diligence Vendor-09/05/2025 <br> Resolved-Refund issued for $135.59 - Due Diligence Vendor-07/23/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940507 |  |  | Closed | 2025-06-04 05:31 | 2025-08-12 13:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved- Meet HPML guidelines - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (10.458%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) resolved - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open-The loan's (10.438%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.458%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. _____. An interior and exterior appraisal was completed for this property – see Pg. ____ , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. _____ for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.438%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii))- Meet HPML guidelines - Due Diligence Vendor-06/XX/2025 <br>Resolved-The loan's (10.438%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 242. An interior and exterior appraisal was completed for this property – see Pg.23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 52 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved - Due Diligence Vendor-06/XX/2025 | Resolved- Meet HPML guidelines - Due Diligence Vendor-08/12/2025 <br>Resolved-The loan's (10.458%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) resolved - Due Diligence Vendor-07/23/2025 <br>Resolved-. - Due Diligence Vendor-07/23/2025 <br>Resolved-. - Due Diligence Vendor-07/23/2025 <br>Resolved-The loan's (10.458%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. _____. An interior and exterior appraisal was completed for this property – see Pg. ____ , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. _____ for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-The loan's (10.438%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii))- Meet HPML guidelines - Due Diligence Vendor-06/05/2025 <br>Resolved-The loan's (10.438%) APR equals or exceeds the Federal HPML threshold of (10.2%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.7%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 242. An interior and exterior appraisal was completed for this property – see Pg.23, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 52 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved - Due Diligence Vendor-06/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916454 |  |  | Closed | 2025-06-04 07:48 | 2025-06-24 15:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception Approved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-XXXX approves exception for LTV. - Due Diligence Vendor-06/XX/2025 <br> Escalated-Escalating for XXXX approval - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see uploaded XXXX internal exception approval for LTV exceed guidelines. - Due Diligence Vendor-06/XX/2025 <br> Open-Audited CLTV Exceeds Guideline CLTV Audited CLTV of 85.26% exceeds Guideline CLTV of 75% - Due Diligence Vendor-06/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-06/24/2025<br>| XXXX |  | XXXX FICO. 680 Min.<br> >$XXXX residual income, min is $1,500 | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916454 |  |  | Closed | 2025-06-04 08:17 | 2025-06-05 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Mortgage Statement Provided for Senior Lien hence resolved. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Pls see uploaded mortgage statement for the first lien - Due Diligence Vendor-06/XX/2025 <br>Open-Provide Sr. Lien Note. Per guideline section under Sr. lien terms pg 15, guidelines restrict certain types of 1st lien loans. Unable to verify without Note terms. - Due Diligence Vendor-06/XX/2025 | Resolved-Requested Mortgage Statement Provided for Senior Lien hence resolved. - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916454 |  |  | Closed | 2025-06-04 07:33 | 2025-06-04 18:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.329%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 303. An interior and exterior appraisal was completed for this property – see pg 37 , the appraisal disclosure was provided to the borrower(s)- see Pg#'293, and copy of the appraisal was given to the borrower – see Pg#'s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (12.329%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 303. An interior and exterior appraisal was completed for this property – see pg 37 , the appraisal disclosure was provided to the borrower(s)- see Pg#'293, and copy of the appraisal was given to the borrower – see Pg#'s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516283 |  |  | Closed | 2025-06-04 16:51 | 2025-06-06 21:36 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Pls see uploaded updated 1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The qualifying FICO score is missing from the 1008. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516284 |  |  | Closed | 2025-06-04 16:19 | 2025-06-06 21:29 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Provided, Resolved. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Pls see updated 1008 - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Pls see uploaded updated 1008 - Due Diligence Vendor-06/XX/2025 <br>Open-Qualifying FICO on 1008 does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. FICO score was not present on the 1008 - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 Provided, Resolved. - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5516284 |  |  | Closed | 2025-06-04 08:13 | 2025-06-04 16:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.703%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 158 and the Final Closing disclosure on Pg#'s 158 reflects escrows. Rate lock date was entered correctly – see Pg#'s 386 An interior and exterior appraisal was completed for this property – see pg 66-94, 23-63 , the appraisal disclosure was provided to the borrower(s)- see Pg#'424 , and copy of the appraisal was given to the borrower – see Pg#'s 64,65 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.703%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 158 and the Final Closing disclosure on Pg#'s 158 reflects escrows. Rate lock date was entered correctly – see Pg#'s 386 An interior and exterior appraisal was completed for this property – see pg 66-94, 23-63 , the appraisal disclosure was provided to the borrower(s)- see Pg#'424 , and copy of the appraisal was given to the borrower – see Pg#'s 64,65 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661538 |  |  | Closed | 2025-06-05 14:54 | 2025-06-10 19:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form provided and updated to TRID header page. XXXX and PC Mavent are passing. Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Origination Fee on Section A was increased from initial LE amount $3375 to Revised LE dated XXXX amount $4613. Lender credit is insufficient to cure. Missing COC form.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-COC form provided and updated to TRID header page. XXXX and PC XXXX are passing. Resolved - Due Diligence Vendor-06/10/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661538 |  |  | Closed | 2025-06-05 14:54 | 2025-06-10 19:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC form provided and updated to TRID header page. Mavent and PC Mavent are passing. Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is XXXX. The Last CD shows a total lender credit amount of ($255.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credit Decreased from Revised LE amount $1025 Dated XXXX to Revised LE dated XXXX amount $255 without a valid change in circumstance.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-COC form provided and updated to TRID header page. XXXX and PC XXXX are passing. Resolved - Due Diligence Vendor-06/10/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661538 |  |  | Closed | 2025-06-05 14:44 | 2025-06-10 19:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of 49.91% is less than or equal to Guideline DTI of 50% - Clarification on borrower's income provided. Entries updated on employment income page. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Please see attached 1008 and borrower pay stub.<br>The auto allowance is non-taxable income, so we can gross it up 25%. <br>- Due Diligence Vendor-06/XX/2025 <br> Open-Audited DTI of 50.92% exceeds Guideline DTI of 50% 01)Calculated DTI of 50.92% exceeds Guideline DTI of 50%. (Per mortgage statement page 263, First Lien amount is $XXXX, DTI will be XXXX = 50.92) and 1008 considered the first lien amount as XXXX.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-Audited DTI of 49.91% is less than or equal to Guideline DTI of 50% - Clarification on borrower's income provided. Entries updated on employment income page. Resolved. - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661533 |  |  | Closed | 2025-06-06 03:57 | 2025-06-10 17:51 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file.- 1008 provided. Resolved. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-1008 - Due Diligence Vendor-06/XX/2025 <br>Open-The 1008 document is missing from the loan file. Missing 1008 - Due Diligence Vendor-06/XX/2025 | Resolved-The 1008 document is present in the loan file.- 1008 provided. Resolved. - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661525 |  |  | Closed | 2025-06-06 07:54 | 2025-06-06 17:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.523%) APR equals or exceeds the Federal HPML threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(iii)) The loan's (12.771%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 248 An interior and exterior appraisal was completed for this property – see pg 45-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 297, 235 , and copy of the appraisal was given to the borrower – see Pg#' 34,35 for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.523%) APR equals or exceeds the Federal HPML threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(iii)) The loan's (12.771%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 248 An interior and exterior appraisal was completed for this property – see pg 45-62 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 297, 235 , and copy of the appraisal was given to the borrower – see Pg#' 34,35 for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-06/06/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661536 |  |  | Closed | 2025-06-06 06:50 | 2025-06-13 17:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form provided and updated to TRID header page. Mavent is passing, resolved. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC form for Point fee increased on Revised LE. - Due Diligence Vendor-06/XX/2025 | Resolved-COC form provided and updated to TRID header page. XXXX is passing, resolved. - Due Diligence Vendor-06/13/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661532 |  |  | Closed | 2025-06-06 11:47 | 2025-06-13 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided 1008 with UW comments indicating income equally split to B1 and B2. Total-$XXXX each. Condition resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-1008 - Due Diligence Vendor-06/XX/2025 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 with income equally split to B1 and B2. Total-$XXXX each.<br> (CPA confirm XXXX% ownership each) - Due Diligence Vendor-06/XX/2025 | Resolved-Lender provided 1008 with UW comments indicating income equally split to B1 and B2. XXXX each. Condition resolved. - Due Diligence Vendor-06/13/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661531 |  |  | Closed | 2025-06-06 07:34 | 2025-06-12 15:11 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC provided. Condition resolved. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Require COC for Points and decrease in lender credits - Loan Discount Fee which got added in revised CD date 05/10. - Due Diligence Vendor-06/XX/2025 | Resolved-COC provided. Condition resolved. - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661531 |  |  | Closed | 2025-06-06 07:34 | 2025-06-12 15:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided. Condition Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is XXXX. The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Require COC for lender credits where it changed to $0 in revised LE dated XXXX from $1,350 (initial LE dated 05/02). <br> - Due Diligence Vendor-06/XX/2025 | Resolved-COC provided. Condition Resolved - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661531 |  |  | Closed | 2025-06-06 04:25 | 2025-06-12 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved- - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-1008 provided with subordinate financing. Condition resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-1008 - Due Diligence Vendor-06/XX/2025 <br> Open-The 1008 document is missing from the loan file. Provided 1008 document is missing with Amount of Subordinate Financing. And rent income qualified by U/W is $XXXX where calculated rent amount is $XXXX which is leading to HTI and DTI discrepancy. - Due Diligence Vendor-06/XX/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661530 |  |  | Closed | 2025-06-06 12:29 | 2025-06-17 14:53 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Updated PCCD provided with evidence of refund and APR matching XXXX% - Due Diligence Vendor-06/XX/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-06/XX/2025 | Resolved-Updated PCCD provided with evidence of refund and APR matching 10.24% - Due Diligence Vendor-06/17/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661530 |  |  | Closed | 2025-06-06 12:29 | 2025-06-17 14:49 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Updated PCCD provided with evidence of refund and APR matching 10.24% - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-PCCD - Due Diligence Vendor-06/XX/2025 <br>Open-The loan's (10.313%) APR equals or exceeds the Federal HPML threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-06/XX/2025 | Resolved-Updated PCCD provided with evidence of refund and APR matching 10.24% - Due Diligence Vendor-06/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661530 |  |  | Closed | 2025-06-06 12:29 | 2025-06-12 17:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided. Condition resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($488.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC missing for Lender Credits Increased from Revised CD XXXX to Revised CD XXXX seaquence-1. - Due Diligence Vendor-06/XX/2025 | Resolved-COC provided. Condition resolved. - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661530 |  |  | Closed | 2025-06-06 13:07 | 2025-06-12 09:51 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated 1008 provided with the FICO that is matching to Credit Liabilities hence resolved. - Due Diligence Vendor-06/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-1008 - Due Diligence Vendor-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '700' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-06/XX/2025 | Resolved-Requested updated 1008 provided with the FICO that is matching to Credit Liabilities hence resolved. - Due Diligence Vendor-06/12/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-06/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854031 |  |  | Closed | 2025-06-06 12:21 | 2025-06-27 17:32 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD entered which resolved. - Due Diligence Vendor-06/XX/2025 <br> Resolved- - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-06/XX/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-06/XX/2025 | Resolved-PCCD entered which resolved. - Due Diligence Vendor-06/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854031 |  |  | Closed | 2025-06-06 12:21 | 2025-06-27 17:30 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Requirements of HPML have been met. - Due Diligence Vendor-06/XX/2025 <br> Open-Requirements of HPML have been met. - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Escrow waiver file. - Due Diligence Vendor-06/XX/2025 | Resolved-Requirements of HPML have been met. - Due Diligence Vendor-06/27/2025 <br>Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/24/2025 <br>Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/13/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854031 |  |  | Closed | 2025-06-06 12:21 | 2025-06-27 17:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Requirements of HPML have been met. - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br>Open-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br>Open-The loan's (10.706%) APR equals or exceeds the Federal HPML threshold of (10.31%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(iii)) Escrow waiver file. - Due Diligence Vendor-06/XX/2025 | Resolved-Requirements of HPML have been met. - Due Diligence Vendor-06/27/2025 <br>Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/24/2025 <br>Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/13/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854031 |  |  | Closed | 2025-06-13 03:45 | 2025-06-26 14:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The attached CR's reflect balances for XXX. Corrected the Credit screen since those accounts were not included in the Payoffs and Payments section on the PCCD. The DTI including these accounts is 47.20 which is within GLs. While the client responded that these accounts were paid, the documents provided reflect otherwise. Those accounts do show $0 Past Due so that may be the figure the client was seeing in place of the Balance/Terms. For reference, On the attachment entitled CREDIT REPORT, I see XXX with a $43 pmt and $43 balance on p 4 and on the CREDIT SUPPLEMENT 1 dated XXXX it reflects a $22 pmt and $261 balance. XXXX: CREDIT REPORT reflects $215 pmt and $25,003 balance on p 2 and CREDIT SUPPLEMENT 1 reflects a $215 pmt and $25,219 balance. XXXX: CREDIT REPORT reflects $29 pmt and $95 balance on p 4 and the CREDIT SUPPLEMENT 1 reflects a $29 pmt and $202 balance. XXXX – I see the zero balance and have updated LM accordingly based on the CREDIT REPORT p 5 provided. Resolved. <br> - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. Please see the attached supplement, which shows a 0 balance for most accounts below<br> And a credit report for the Lowe's account showing a 0 balance<br> - Buyer-06/XX/2025 <br> Counter-On the PCCD provided, several of the Payoffs and Payments that were listed on page 3 of the Final CD were omitted including: XXX for revolving account - $202, and XXX for revolving account - $718. Those debts had been marked at Paid at Close on the Credit screen and were not included in the DTI. Confirm that these debts were intentionally omitted from the Payoffs and Payments on the PCCD provided. \*Once confirmed, the Credit screen will be updated and the DTI recalculated. <br>In regard to the comments in the initial finding, since no confirmation was provided, we deferred to the titles in the Related Docs section and entered the Final CD as being on p 103-107 and the Intermediate CD as being on p 123-127. <br> - Due Diligence Vendor-06/XX/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Buyer-06/XX/2025 <br> Open-TRID: Missing Final Closing Disclosure There are two (2) CD's dated XXXX and signed on XXXX with different figures on them. The CD on p 123 reflects $3,853.15 FROM the borrower while the one on p 103 reflects $31,182.14 FROM the borrower. Advise as to which is the accurate Final CD. Mavent will be re-run upon confirmation. - Due Diligence Vendor-06/XX/2025 | Resolved-The attached CR's reflect balances for XXXX. Corrected the Credit screen since those accounts were not included in the Payoffs and Payments section on the PCCD. The DTI including these accounts is 47.20 which is within GLs. While the client responded that these accounts were paid, the documents provided reflect otherwise. Those accounts do show $0 Past Due so that may be the figure the client was seeing in place of the Balance/Terms. For reference, On the attachment entitled CREDIT REPORT, I see XXXX with a $43 pmt and $43 balance on p 4 and on the CREDIT SUPPLEMENT 1 dated XXXX it reflects a $22 pmt and $261 balance. XXXX: CREDIT REPORT reflects $215 pmt and $25,003 balance on p 2 and CREDIT SUPPLEMENT 1 reflects a $215 pmt and $25,219 balance. XXXX: CREDIT REPORT reflects $29 pmt and $95 balance on p 4 and the CREDIT SUPPLEMENT 1 reflects a $29 pmt and $202 balance. XXXX2 – I see the zero balance and have updated LM accordingly based on the CREDIT REPORT p 5 provided. Resolved. <br> - Due Diligence Vendor-06/26/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/24/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854031 |  |  | Closed | 2025-06-24 19:23 | 2025-06-27 17:31 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC provided in Findings and PCCD XXXX re-run which resolved this finding. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Resolved- - Due Diligence Vendor-06/XX/2025 <br> Resolved- - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. COC attached. - Seller-06/XX/2025 <br> Counter-Missing COC. The Loan Points increased from XXXX on the Initial CD dated XXXX to the Revised CD dated XXXX which reflects Loan Points of XXXX and there is no COC in file. <br>The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan<br> Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance<br> associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). <br> The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have<br> been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot<br> increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor<br> provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. Please see the attached supplement, which shows a 0 balance for most accounts below<br> And a credit report for the XXXX account showing a 0 balance<br> - Seller-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 | Resolved-COC provided in Findings and PCCD XXXX re-run which resolved this finding. Resolved. - Due Diligence Vendor-06/27/2025 <br> Resolved- - Due Diligence Vendor-06/27/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854041 |  |  | Closed | 2025-06-13 15:37 | 2025-07-07 17:53 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Open Sewer (Fee ID: 998) | Resolved-PCCD, proof of refund and proof of delivery provided - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Refund to client attached - Buyer-07/XX/2025 <br> Open-Fired due to open sewer fee in section H. Per The XXXX Mortgage Lending Act this fee is not allowed. - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Rescinded-The XXXX does not allow Open Sewer (Fee ID: 998) to be charged to the Borrower in XXXX. State fail - N/A rescinded. - Due Diligence Vendor-06/XX/2025 | Resolved-PCCD, proof of refund and proof of delivery provided - Due Diligence Vendor-07/07/2025 <br>Rescinded-The XXXX does not allow Open Sewer (Fee ID: 998) to be charged to the Borrower in XXXX. State fail - N/A rescinded. - Due Diligence Vendor-06/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | 5854041 |  |  | Closed | 2025-06-13 14:56 | 2025-06-18 17:05 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided and updated to disclosure page, resolved. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-06/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. ITP provided is not executed by the borrowers. - Due Diligence Vendor-06/XX/2025 | Resolved-ITP provided and updated to disclosure page, resolved. - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | 5854041 |  |  | Closed | 2025-06-09 06:28 | 2025-06-18 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Corrected income calculator requested. Client resent calculator from loan package. Qualifying income is correct on the income calculator. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-06/XX/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided income worksheet pg- 399, 400 reflects 12 months consecutive income as $XXXX. Per manual calculation 12 months consecutive income is $1,612,134. - Due Diligence Vendor-06/XX/2025 | Resolved-Corrected income calculator requested. Client resent calculator from loan package. Qualifying income is correct on the income calculator. Resolved. - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | 5854041 |  |  | Closed | 2025-06-09 04:53 | 2025-06-18 06:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Updated Initial 1003 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/XX/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-06/XX/2025 <br>Open-The Initial 1003 is Missing Initial 1003 provided for B1 and B2 is missing LO signature. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated Initial 1003 uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-06/18/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | 5854053 |  |  | Closed | 2025-06-10 05:55 | 2025-07-07 23:43 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-07/XX/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing gap credit report dated within 10 days from Closing. - Due Diligence Vendor-06/XX/2025 | Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-07/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854053 |  |  | Closed | 2025-06-10 05:55 | 2025-07-07 23:43 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing gap credit report dated within 10 days from Closing. - Due Diligence Vendor-06/XX/2025 | Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-07/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854053 |  |  | Closed | 2025-06-10 11:06 | 2025-07-03 17:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br>Unable to Resolve-Unable to Resolve-Document Uploaded. XXXX Approves Exception - Seller-07/XX/2025 <br>Open-Loan does not conform to program guidelines Exception page No#556:- Borrower is owner of broker company submitting loan. <br> - Due Diligence Vendor-06/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/03/2025<br>| XXXX |  | 1.Credit Score is XXXX. Minimum required per guidelines is 700.<br> 2.LTV is XXXX. Maximum allowed per guidelines is 90%.<br> 3. Employment history is XXXX years, required number of years per guidelines is 2. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5854053 |  |  | Closed | 2025-06-11 12:51 | 2025-06-23 10:38 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower 1 Race Selection is provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/XX/2025 <br>Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-06/XX/2025 <br>Open-Borrower 1 Race Selection is Not Provided Missing Borrower 1 Race Selection - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Race Selection is provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/23/2025 <br>Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-06/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854053 |  |  | Closed | 2025-06-11 12:51 | 2025-06-23 10:38 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/XX/2025 <br>Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/XX/2025 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Missing Borrower 1 Ethnicity Selection - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Ethnicity Selection is provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/23/2025 <br>Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-06/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907053 |  |  | Closed | 2025-06-10 13:07 | 2025-06-13 21:39 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Lender provided approved exception in file, p. 1771, for borrower-provided transcript is approved. Transcripts match personal 1040s in file. Finding waived. - Due Diligence Vendor-06/XX/2025 | Waived-Lender provided approved exception in file, p. 1771, for borrower-provided transcript is approved. Transcripts match personal 1040s in file. Finding waived. - Due Diligence Vendor-06/10/2025<br>|  |  | 1.DTI is XXXX. Maximum allowed per guidelines is 50%.<br> 2.Residual Income is XXXX. Minimum Residual Income required per guidelines is $2500. <br> 3.LTV is XXXX. Maximum allowed per guidelines is 70%. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5916437 |  |  | Closed | 2025-06-13 21:23 | 2025-07-09 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/17/2025 <br>Ready for Review-vvoe - Due Diligence Vendor-06/16/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE within 10 days Prior to Close - Due Diligence Vendor-06/13/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916437 |  |  | Closed | 2025-06-11 06:33 | 2025-07-09 16:42 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Updated 1003, 1003, income calculation worksheet and March 2025 bank statement provided. Income calculation updated. Updated Qualifying income still qualifies, resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-XXXX - Due Diligence Vendor-07/XX/2025 <br> Counter-Per income calculator worksheet provided there are deposits to a bank statement dated in XXXX5 included in qualified income. Statements provided are for the year 2024. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-march statements - Due Diligence Vendor-06/XX/2025 <br> Open-Only 11 months bank statements verified from provided worksheet. Missing XXXX bank statement. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1003, 1003, income calculation worksheet and XXXX bank statement provided. Income calculation updated. Updated Qualifying income still qualifies, resolved. - Due Diligence Vendor-07/09/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916437 |  |  | Closed | 2025-06-11 08:31 | 2025-06-17 14:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC forms provided and updated to TRID header pae. XXXX is passing. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC forms for points fee increases on several disclosures. - Due Diligence Vendor-06/XX/2025 | Resolved-COC forms provided and updated to TRID header pae. XXXX is passing. Resolved. - Due Diligence Vendor-06/17/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916437 |  |  | Closed | 2025-06-11 08:31 | 2025-06-17 14:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC forms provided and updated to TRID header pae. XXXXis passing. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-all coc - Due Diligence Vendor-06/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($235.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Missing COC forms LC decreases on several disclosures. - Due Diligence Vendor-06/XX/2025 | Resolved-COC forms provided and updated to TRID header pae. XXXX is passing. Resolved. - Due Diligence Vendor-06/17/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661527 |  |  | Closed | 2025-06-11 06:53 | 2025-06-17 16:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.344%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 357 An interior and exterior appraisal was completed for this property – see pg 35, the appraisal disclosure was provided to the borrower(s)- see Pg#'s350, and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.344%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 357 An interior and exterior appraisal was completed for this property – see pg 35, the appraisal disclosure was provided to the borrower(s)- see Pg#'s350, and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661527 |  |  | Closed | 2025-06-11 06:53 | 2025-06-17 16:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 357 An interior and exterior appraisal was completed for this property – see pg 35, the appraisal disclosure was provided to the borrower(s)- see Pg#'s350, and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 357 An interior and exterior appraisal was completed for this property – see pg 35, the appraisal disclosure was provided to the borrower(s)- see Pg#'s350, and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-06/11/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854028 |  |  | Closed | 2025-06-11 06:44 | 2025-07-10 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided.<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE prior to close missing verification of business existence required with in 10 business days of closing.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided.<br> - Due Diligence Vendor-07/10/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854028 |  |  | Closed | 2025-06-11 06:44 | 2025-07-10 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE prior to close missing verification of business existence required with in 10 business days of closing.<br> - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854044 |  |  | Closed | 2025-06-24 19:29 | 2025-06-26 10:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Doc uploaded. Fees are correct. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Please see sellers' compliance report. - Seller-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Doc uploaded. Fees are correct. - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854044 |  |  | Closed | 2025-06-24 19:29 | 2025-06-26 10:50 | Resolved | 1 - Information A | Compliance | Fees:Limited | New Jersey - Recording Service Fee (RMLA) | Resolved-Doc uploaded. Fees are correct. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Please see sellers' compliance report - Buyer-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Doc uploaded. Fees are correct. - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854044 |  |  | Closed | 2025-06-24 19:29 | 2025-06-26 10:49 | Resolved | 1 - Information A | Compliance | Mavent | NJ Fee Not Allowed- Closing Protection Letter (Fee ID: 55) | Resolved-Doc uploaded. Fees are correct. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. Please see sellers' compliance report - Buyer-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Doc uploaded. Fees are correct. - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854044 |  |  | Closed | 2025-06-18 18:54 | 2025-06-24 19:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-06/XX/2025 <br>Open-TRID: Missing Closing Disclosure Provide the Initial CD, any related COC's and the Disclosure Tracking Summary. - Due Diligence Vendor-06/XX/2025 | Resolved-Initial CD provided. - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916446 |  |  | Closed | 2025-06-13 05:44 | 2025-06-23 17:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-coc - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Fired due to points increase on Initial CD issued on 5/XX/25. Missing COC or to cure please provide PCCD, LOE, evidence of refund check and POD to cure. - Due Diligence Vendor-06/XX/2025 | Resolved- - Due Diligence Vendor-06/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661534 |  |  | Closed | 2025-06-13 09:33 | 2025-06-18 22:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.863%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 151 and the Final Closing disclosure on Pg# 70 reflects escrows. Rate lock date was entered correctly see Pg.'s 177 An interior and exterior appraisal was completed for this property – see pg. the appraisal disclosure was provided to the borrower(s)- see Pg#'216, 176 and copy of the appraisal was given to the borrower see Pg# 19 for Delivery confirmation. The loan meets HPML guidelines." - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.863%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 151 and the Final Closing disclosure on Pg# 70 reflects escrows. Rate lock date was entered correctly see Pg.'s 177 An interior and exterior appraisal was completed for this property – see pg. the appraisal disclosure was provided to the borrower(s)- see Pg#'216, 176 and copy of the appraisal was given to the borrower see Pg# 19 for Delivery confirmation. The loan meets HPML guidelines." - Due Diligence Vendor-06/13/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661502 |  |  | Closed | 2025-06-13 11:16 | 2025-06-18 16:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. This loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see P 252, An interior and exterior appraisal was completed for this property – p 24-57 the appraisal disclosure was provided to the borrower(s)- see P 63-64 and a copy of the appraisal waiver was signed by the borrower – see Pg 23 for the copy of the waiver. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. This loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see P 252, An interior and exterior appraisal was completed for this property – p 24-57 the appraisal disclosure was provided to the borrower(s)- see P 63-64 and a copy of the appraisal waiver was signed by the borrower – see Pg 23 for the copy of the waiver. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/13/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661502 |  |  | Closed | 2025-06-13 11:16 | 2025-06-18 16:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.553%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. This loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see P 252, An interior and exterior appraisal was completed for this property – p 24-57 the appraisal disclosure was provided to the borrower(s)- see P 63-64 and a copy of the appraisal waiver was signed by the borrower – see Pg 23 for the copy of the waiver. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.553%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. This loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see P 252, An interior and exterior appraisal was completed for this property – p 24-57 the appraisal disclosure was provided to the borrower(s)- see P 63-64 and a copy of the appraisal waiver was signed by the borrower – see Pg 23 for the copy of the waiver. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/13/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661500 |  |  | Closed | 2025-06-16 10:31 | 2025-06-24 18:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-UW condition provided. - Due Diligence Vendor-06/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/XX/2025 <br>Open-Required updated business narrative or updated P&L statement. which will show 100% of ownership or P&L Statement with calculation of 99% ownership income. - Due Diligence Vendor-06/XX/2025 | Resolved-UW condition provided. - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854050 |  |  | Closed | 2025-06-16 06:32 | 2025-07-01 17:10 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided in Findings, entered and XXXX run. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/XX/2025 <br> Counter-Provide the PCCD and a Mavent will then be re-run PCCD. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/XX/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary). <br> Loan Disbursement Date: XXXX<br> Right To Cancel Expire Date: XXXX<br> Right to Cancel Signed Date: XXXX<br> - Due Diligence Vendor-XXXX<br> Open- - Due Diligence Vendor-06/XX/2025 | Resolved-PCCD provided in Findings, entered and XXXX run. Resolved. - Due Diligence Vendor-07/01/2025 <br> Resolved-Resolved - Due Diligence Vendor-07/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661459 |  |  | Closed | 2025-06-23 16:41 | 2025-06-24 20:43 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-1008 provided in Findings: 1008 - TXXXX reflects the correct FICO of XXXX. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. 1008 attached. - Seller-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '686' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The 1008 reflects a FICO score of XXXX however there is no CR that supports that score. CR, p 250, reflects Primary Wage Earner Mid Score of XXXX. - Due Diligence Vendor-06/XX/2025 | Resolved-1008 provided in Findings: 1008 - XX.PDF reflects the correct FICO of XXXX. Resolved. - Due Diligence Vendor-06/24/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661459 |  |  | Closed | 2025-06-16 16:10 | 2025-06-24 13:15 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 2 Credit Report is Expired | Resolved-Gap Credit in file with has Credit Scores matches with initial credit report, used Gap Credit With scores for Both Initial and gap Credit Report, Finding Resolved<br> - Due Diligence Vendor-06/XX/2025 <br> Resolved-Borrower 2 Credit Report is not Expired. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. attached credit report is dated XXXX, closing date isXXXX - Buyer-06/XX/2025 <br> Open-Borrower 2 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-06/XX/2025 | Resolved-Gap Credit in file with has Credit Scores matches with initial credit report, used Gap Credit With scores for Both Initial and gap Credit Report, Finding Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Borrower 2 Credit Report is not Expired. - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661459 |  |  | Closed | 2025-06-16 16:10 | 2025-06-24 13:15 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Gap Credit in file with has Credit Scores matches with initial credit report, used Gap Credit With scores for Both Initial and gap Credit Report, Finding Resolved<br> - Due Diligence Vendor-06/XX/2025 <br> Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. attached credit report is dated XXXX, closing date is XXXX - Seller-06/XX/2025 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-06/XX/2025 | Resolved-Gap Credit in file with has Credit Scores matches with initial credit report, used Gap Credit With scores for Both Initial and gap Credit Report, Finding Resolved<br> - Due Diligence Vendor-06/24/2025 <br>Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5661459 |  |  | Closed | 2025-06-16 16:14 | 2025-06-24 11:01 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-None of the Valuation entries contain core valuation types. Transaction is Second Lien, Per GL's, Laon amount <400k, AVM +property Condition Report is Sufficient, Provided property Condition report on Findings, Changes made in system, Finding Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. property condition attached. - Buyer-06/XX/2025 <br> Ready for Review-Document Uploaded. 1008 attached - Buyer-06/XX/2025 <br> Open-None of the Valuation entries contain core valuation types. The AVM is in file however the Property Condition Report is missing. Per GLs: For loan amounts ≤ $400,000, one of: ▪ AVM (see requirements below) + Property Condition Report (or) Full interior appraisal (Fannie Mae Form 1004, 1073 or 1025). Provide the missing Property Condition Report. - Due Diligence Vendor-06/XX/2025 | Resolved-None of the Valuation entries contain core valuation types. Transaction is Second Lien, Per GL's, Laon amount <400k, AVM +property Condition Report is Sufficient, Provided property Condition report on Findings, Changes made in system, Finding Resolved - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916445 |  |  | Closed | 2025-06-24 05:55 | 2025-07-09 15:34 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-An Amended Final Settlement Statement (HUD-1) along with a letter to the borrower was provided in Findings: XXXX.PDF removing the prepayment penalty. All other information reflected on the amended version is the same. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Please see amended Final HUD removing prepayment penalty. - Due Diligence Vendor-07/XX/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Note and DOT do not reflect a Prepayment Penalty but the Final Settlement Statement (HUD-1) reflects a Prepayment Penalty of $XXXX. - Due Diligence Vendor-06/XX/2025 | Resolved-An Amended Final Settlement Statement (HUD-1) along with a letter to the borrower was provided in Findings: XXXX.PDF removing the prepayment penalty. All other information reflected on the amended version is the same. Resolved. - Due Diligence Vendor-07/09/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854037 |  |  | Closed | 2025-06-20 06:36 | 2025-07-09 17:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Lender provided legible copy of XXXX calculation sheet. Variances identified and updated. Audited DTI ofXXXX is less than or equal to Guideline DTI of XXX. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br> Counter-Lender provided XXXX calculation worksheet that contain several fields illegible due to formatting error. Unable to compare or identify variances in calculations. Condition unresolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Updated UW income worksheet showing an additional $500 - Buyer-07/XX/2025 <br> Open-Provide LOX for various XXXX deposits reflected on Bank accounts. As Per Final 1003 and 1008 Borrower income was XXXX however Calculated income XXXX. Provide additional income documentation to qualify or provide Co borrower income documents. - Due Diligence Vendor-06/XX/2025 | Resolved-Lender provided legible copy of XXXX calculation sheet. Variances identified and updated. Audited DTI of XXXX is less than or equal to Guideline DTI of 50%. Condition resolved. - Due Diligence Vendor-07/09/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854037 |  |  | Closed | 2025-06-18 18:56 | 2025-07-09 17:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided legible copy of XXXX calculation sheet. Variances identified and updated. Audited DTI of 45.87% is less than or equal to Guideline DTI of 50%. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br> Counter-Lender provided XXXX calculation worksheet that contain several fields illegible due to formatting error. Unable to compare or identify variances in calculations. Condition unresolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. See UW updated income worksheet - Buyer-07/XX/2025 <br> Open-Audited DTI Exceeds Guideline DTI As Per Final 1003 and 1008 Borrower income was $XXXX however Calculated income $XXXX. Provide additional income documentation to qualify or provide Co borrower income documents. - Due Diligence Vendor-06/XX/2025 | Resolved-Lender provided legible copy of XXXX calculation sheet. Variances identified and updated. Audited DTI of 45.87% is less than or equal to Guideline DTI of 50%. Condition resolved. - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854037 |  |  | Closed | 2025-06-25 23:47 | 2025-07-09 17:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Lender provided legible copy of XXXX calculation sheet. Variances identified and updated. Audited DTI of 45.87% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br>Counter-Lender provided XXXX calculation worksheet that contain several fields illegible due to formatting error. Unable to compare or identify variances in calculations. Condition unresolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Updated income worksheet - Seller-07/XX/2025 <br>Open-Audited DTI of 50.7% exceeds Guideline DTI of 50% - Due Diligence Vendor-06/XX/2025 | Resolved-Lender provided legible copy of XXXX calculation sheet. Variances identified and updated. Audited DTI of 45.87% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854037 |  |  | Closed | 2025-06-18 18:43 | 2025-07-09 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Verification of business existence within 10 business days of closing (XXXX) for B1. Provided VOE in file dated XXXX. - Due Diligence Vendor-06/XX/2025 | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-07/03/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854037 |  |  | Closed | 2025-07-03 14:01 | 2025-07-03 14:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided additional LE and CD along with related COCs. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($63.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (Inspection Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided additional LE and CD along with related COCs. Condition resolved. - Due Diligence Vendor-07/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854037 |  |  | Closed | 2025-06-18 14:55 | 2025-07-03 14:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Open-Lender provided additional LE and CD along with related COCs. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($63.00) were applied to the total fee variance of ($147.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Required COC Final Inspection fee Which is increased Initial LE to Initial CD $200 - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 |  | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916442 |  |  | Closed | 2025-06-24 11:23 | 2025-07-03 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Please see Credit Report attached. - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916379 |  |  | Closed | 2025-06-20 10:59 | 2025-07-01 08:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Evidence for B2 XXXX income is missing, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br> Open-To verify borrower 2 XXXX income, proof of income are missing in loan file and / or calculation of benefits from the XXXX statements provided. - Due Diligence Vendor-06/XX/2025 | Resolved-Evidence for B2 XXXX income is missing, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854033 |  |  | Closed | 2025-06-26 20:31 | 2025-06-27 16:51 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-1008 reflecting the FICO was provided in Findings: 1008 - TRANSMITTAL SUMMARY.PDF. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. 1008 attached - Seller-06/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. 1008 on p XXXX is missing the FICO score. Primary Wage Earner Mid-score is XXXX. - Due Diligence Vendor-06/XX/2025 | Resolved-1008 reflecting the FICO was provided in Findings: 1008 - TRANSMITTAL SUMMARY.PDF. Resolved. - Due Diligence Vendor-06/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854033 |  |  | Closed | 2025-06-23 05:10 | 2025-06-27 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. 1008 updated - Buyer-06/XX/2025 <br> Open-The 1008 document is missing from the loan file. The 1008 provided on p XXXX is missing the FICO score and per the Loan Statement, the P&I is $XXXX and total payment with taxes and insurance is $XXXX. The 1008 reflects the First Mortgage P&I of XXXX instead of $XXXX (the taxes and insurance are itemized separately in the Proposed Monthly Payment column. The FICO of XXXX per the primary wage-earners mid score is missing also. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-06/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854033 |  |  | Closed | 2025-06-23 05:40 | 2025-06-26 21:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.893%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 629. An exterior appraisal was completed for this property – see pg 30-54 & 57-81, the appraisal disclosure was provided to the borrower(s)- see Pg#'619 & 752 and copy of the appraisal was given to the borrower – see Pg#'s 55 for the copy of the disclosure. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.893%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 629. An exterior appraisal was completed for this property – see pg 30-54 & 57-81, the appraisal disclosure was provided to the borrower(s)- see Pg#'619 & 752 and copy of the appraisal was given to the borrower – see Pg#'s 55 for the copy of the disclosure. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/23/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854033 |  |  | Closed | 2025-06-23 05:40 | 2025-06-26 21:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 629. An exterior appraisal was completed for this property – see pg 30-54 & 57-81, the appraisal disclosure was provided to the borrower(s)- see Pg#'619 & 752 and copy of the appraisal was given to the borrower – see Pg#'s 55 for the copy of the disclosure. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 629. An exterior appraisal was completed for this property – see pg 30-54 & 57-81, the appraisal disclosure was provided to the borrower(s)- see Pg#'619 & 752 and copy of the appraisal was given to the borrower – see Pg#'s 55 for the copy of the disclosure. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-06/23/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907056 |  |  | Closed | 2025-06-23 11:33 | 2025-07-01 07:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br>Open-Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 2 Gap Credit Report provided. - Due Diligence Vendor-07/01/2025 <br>Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-07/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907056 |  |  | Closed | 2025-06-23 11:33 | 2025-07-01 07:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-07/01/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854042 |  |  | Closed | 2025-07-03 11:58 | 2025-07-09 20:01 | Resolved | 1 - Information C A | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Resolved-PCCD with fees removed provided. Mavent is passing, resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved- - Due Diligence Vendor-07/XX/2025 <br>Resolved- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. None of these fees were charged to our borrower? - Buyer-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-PCCD with fees removed provided. Mavent is passing, resolved. - Due Diligence Vendor-07/09/2025 <br>Resolved- - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854042 |  |  | Closed | 2025-07-03 11:58 | 2025-07-09 17:36 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-07/XX/2025 <br>Resolved- - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please specify what fee has increased? COC attached for points increase and lender credit provided on PCCD to adjust for any charges. No other COC or refund is needed here. - Buyer-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($84.00) were applied to the total fee variance of ($459.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved- - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854042 |  |  | Closed | 2025-06-24 14:29 | 2025-07-03 12:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure - Due Diligence Vendor-06/XX/2025 | Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854042 |  |  | Closed | 2025-06-24 08:28 | 2025-07-02 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE for B2 Provided hence resolved.<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Business search for bor 2 attached with date within closing - Seller-07/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing Borrower 1 3rd Party VOE Prior to Close - Due Diligence Vendor-06/XX/2025 | Resolved-Requested 3rd Party VOE for B2 Provided hence resolved.<br> - Due Diligence Vendor-07/02/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854042 |  |  | Closed | 2025-06-24 08:28 | 2025-07-02 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE for B1 Provided hence resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. XXXX business search with date in lower bottom corner - Buyer-07/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Borrower 1 3rd Party VOE Prior to Close - Due Diligence Vendor-06/XX/2025 | Resolved-Requested 3rd Party VOE for B1 Provided hence resolved. - Due Diligence Vendor-07/02/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854042 |  |  | Closed | 2025-07-09 19:53 | 2025-07-09 20:03 | Rescinded | 1 - Information A | Compliance | TRID | Federal - Corrected Closing Disclosure Prior and (Last CD Received)(APR) | Resolved-Fired in error, entries corrected. Rescinded. - Due Diligence Vendor-07/XX/2025 <br>Resolved- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Fired in error, entries corrected. Rescinded. - Due Diligence Vendor-07/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854046 |  |  | Closed | 2025-06-27 23:28 | 2025-07-07 20:47 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/07/2025 <br>Unable to Resolve-Unable to Resolve-seller states they do not have any affiliated businesses; therefore the document doesn't print. XXXX accepts as a grade 2" - Seller-07/03/2025 <br>Open-Missing Affiliated Business Disclosure - Due Diligence Vendor-06/27/2025 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/07/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5854046 |  |  | Closed | 2025-06-27 23:29 | 2025-07-03 13:16 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided and updated to disclosure page, resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-06/XX/2025 | Resolved-ITP provided and updated to disclosure page, resolved. - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854046 |  |  | Closed | 2025-06-27 23:28 | 2025-07-03 13:15 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present - Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/XX/2025 <br>Open-Missing HCO list. - Due Diligence Vendor-06/XX/2025 | Resolved-Homeownership Counseling Disclosure Is Present - Resolved - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854046 |  |  | Closed | 2025-06-23 11:10 | 2025-07-03 12:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure - Due Diligence Vendor-06/XX/2025 | Resolved-Initial Cd missing in file, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854046 |  |  | Closed | 2025-07-03 12:09 | 2025-07-03 12:14 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open-There are ($715.00) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) - Due Diligence Vendor-07/XX/2025 | Resolved- - Due Diligence Vendor-07/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854046 |  |  | Closed | 2025-06-23 08:28 | 2025-07-03 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. VOES attached - Buyer-07/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing Borrower 2 3rd Party VOE Prior to Close - Due Diligence Vendor-06/XX/2025 | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-07/03/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854046 |  |  | Closed | 2025-06-23 08:28 | 2025-07-03 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. VOES attached - Seller-07/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Borrower 1 3rd Party VOE Prior to Close - Due Diligence Vendor-06/XX/2025 | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-07/03/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854057 |  |  | Closed | 2025-06-30 15:52 | 2025-07-08 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Board of Barbering and Cosmetology License reflecting Issuance Date of 12/XX/1980 provided in Findings: XXXX.PDF. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Borrower is a cosmetologist-no articles and no CPA letter will be had here. License was used to clear this. - Buyer-07/XX/2025 <br> Open-Borrower 1 CPA Letter Missing The CPA letter or Articles of Organization are missing. - Due Diligence Vendor-06/XX/2025 | Resolved-Board of Barbering and Cosmetology License reflecting Issuance Date of 12/XX/1980 provided in Findings: LICENSE.PDF. Resolved. - Due Diligence Vendor-07/08/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854057 |  |  | Closed | 2025-06-30 16:01 | 2025-07-03 19:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided in Findings: X CD.PDF and Mavent was run. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure The Initial Closing Disclosure is missing. Provide along with any revised CD's or COC's, if applicable. Compliance can be run upon receipt. - Due Diligence Vendor-06/XX/2025 | Resolved-Initial CD provided in Findings: X CD.PDF and Mavent was run. Resolved. - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854057 |  |  | Closed | 2025-06-23 10:04 | 2025-07-02 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Bank Statement Summary / Lender Worksheet Missing | Resolved-Updated 1008/1003 or Income calculation is not required as DTI is well within the G/Ls hence resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Guys-it doesnt have to match perfectly-DTI is 22 please clear this - Buyer-07/XX/2025 <br> Open-As per the 1003 & 1008, the borrower business Employment Income is $XXXX. Employment Income verified per bank statement calculation is $XXXX. Noting variance. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008/1003 or Income calculation is not required as DTI is well within the G/Ls hence resolved. - Due Diligence Vendor-07/02/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916391 |  |  | Closed | 2025-06-25 05:36 | 2025-07-21 13:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.308%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Second lien with no escrow. Rate lock date was entered correctly – see Pg#253. An interior and exterior appraisal was completed for this property – see pg#18-52, the appraisal disclosure was provided to the borrower(s)- see Pg #54, 70, and confirmation the appraisal was delivered to the borrower – see Pg#89. Requirements of HPML have been met. Resolved. <br> - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Requirements of HPML have been met. Resolved. - Due Diligence Vendor-07/21/2025 <br>Resolved-The loan's (10.308%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Second lien with no escrow. Rate lock date was entered correctly – see Pg#253. An interior and exterior appraisal was completed for this property – see pg#18-52, the appraisal disclosure was provided to the borrower(s)- see Pg #54, 70, and confirmation the appraisal was delivered to the borrower – see Pg#89. Requirements of HPML have been met. Resolved. <br> - Due Diligence Vendor-06/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907059 |  |  | Closed | 2025-06-24 14:42 | 2025-07-03 17:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception for FICO. HDTI 21% / DTI 42%, 23 years in residence, 57% LTV, 0x30 on multiple mortgages with over 90 mos reporting - Seller-07/XX/2025 <br> Open-Audited FICO of XXXX is less than Guideline FICO of 660 Missing exception for loan approved with qualifying FICO below GL minimum allowed per matrix. - Due Diligence Vendor-06/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/03/2025<br>|  |  | HDTI 21% / DTI 42%<br> 23 years in residence<br> 57% LTV<br> 0x30 on multiple mortgages with over 90 mos reporting | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5907059 |  |  | Closed | 2025-06-24 14:23 | 2025-07-02 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Requested Condo Questionnaire provided hence resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Condo Questionnaire uploaded for review. - Buyer-07/XX/2025 <br>Open-HOA Questionnaire is Missing or Partial. Missing HOA Questionnaire - Due Diligence Vendor-06/XX/2025 | Resolved-Requested Condo Questionnaire provided hence resolved. - Due Diligence Vendor-07/02/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907059 |  |  | Closed | 2025-06-24 12:57 | 2025-07-01 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Title Documents uploaded. Property Report all that is needed on Equity Advantage. - Buyer-06/XX/2025 <br>Open-Title Document is missing Missing title - Due Diligence Vendor-06/XX/2025 | Resolved-Title Document is fully Present - Due Diligence Vendor-07/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907059 |  |  | Closed | 2025-06-24 15:14 | 2025-06-28 00:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (13.027%) APR equals or exceeds the Federal HPML threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 301. An interior and exterior appraisal was completed for this property – see pg 27, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal waiver is on file – see Pg#'s 434. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (13.027%) APR equals or exceeds the Federal HPML threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 301. An interior and exterior appraisal was completed for this property – see pg 27, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal waiver is on file – see Pg#'s 434. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/24/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916443 |  |  | Closed | 2025-06-25 12:38 | 2025-07-07 09:02 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Updated Final 1003 & 1008 with corrected income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Please see updated 1003 and 1008. - Due Diligence Vendor-07/XX/2025 <br> Open-Income and Employment Do Not Meet Guidelines As per Final 1003 & 1008 B1 Income is XXXX (Base $15500 + Bonus XXXX) but as per Calculation it is XXXX which is including Bonus. <br> Calculated Income is Lower than the required income. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated Final 1003 & 1008 with corrected income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/07/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916388 |  |  | Closed | 2025-06-25 08:39 | 2025-07-10 10:52 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage amount is $0, provided Updated Title Document, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Updated title uploaded for review. - Buyer-07/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title Coverage Amount is Less than Loan Amount - Due Diligence Vendor-06/XX/2025 | Resolved-Title coverage amount is $0, provided Updated Title Document, Changes made in system, Finding Resolved - Due Diligence Vendor-07/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/10/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916388 |  |  | Closed | 2025-06-25 09:51 | 2025-07-10 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Loan amount mis match in loan approval, Provided Updated Loan Approval, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Updated approval uploaded for review. - Buyer-07/XX/2025 <br> Open-Loan does not conform to program guidelines Per review loan amount is XXXX. Approval provided reflects XXXX. - Due Diligence Vendor-06/XX/2025 | Resolved-Loan amount mis match in loan approval, Provided Updated Loan Approval, Finding Resolved - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854032 |  |  | Closed | 2025-06-25 10:38 | 2025-07-03 10:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Requested updated policy with the effective date of XXXX that is within the note date provided hence resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Hazard Insurance Expiration Date of XXXX is after the Note Date of XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Renewal provided - Buyer-07/XX/2025 <br> Open-Hazard Insurance Expiration Date of XXXX is prior to or equal to the Note Date of XXXX Closing date is XXXX, however expiration date on policy provided is XXXX. Missing current Hazard Insurance policy. - Due Diligence Vendor-06/XX/2025 | Resolved-Requested updated policy with the effective date of XXXX that is within the note date provided hence resolved. - Due Diligence Vendor-07/03/2025 <br> Resolved-Hazard Insurance Expiration Date of XXXX is after the Note Date of XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-07/03/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854062 |  |  | Closed | 2025-06-29 23:19 | 2025-07-09 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Corrected report provided, resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Missing Third Party Fraud Report Loan amount on fraud report provided is incorrect. - Due Diligence Vendor-06/XX/2025 | Resolved-Third Party Fraud Report is provided - Corrected report provided, resolved. - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854062 |  |  | Closed | 2025-06-25 09:54 | 2025-07-09 15:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC form provided and updated to review. Mavent is passing, resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($210.00) were applied to the total fee variance of ($1,185.20) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Missing COC form for tolerance fails that fired due to Loan discount fee and origination charges that increased from (XXXX) respectively - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 | Resolved-COC form provided and updated to review. XXXX is passing, resolved. - Due Diligence Vendor-07/09/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854062 |  |  | Closed | 2025-06-25 07:36 | 2025-07-08 09:41 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Coverage amount on policy is less than loan amount. - Due Diligence Vendor-06/XX/2025 | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-07/08/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854062 |  |  | Closed | 2025-06-25 08:07 | 2025-07-08 09:37 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is not within 10 business days of closing. - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854062 |  |  | Closed | 2025-06-25 09:54 | 2025-07-09 15:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 268. An interior and exterior appraisal was completed for this property – see pg 19, per the other considerations section of Initial LE issued within 3 business days from the application date, 1st lien is escrowed, a copy of the appraisal was given to the borrower – see Pg#'s 15, 109. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/09/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 268. An interior and exterior appraisal was completed for this property – see pg 19, per the other considerations section of Initial LE issued within 3 business days from the application date, 1st lien is escrowed, a copy of the appraisal was given to the borrower – see Pg#'s 15, 109. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/25/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854062 |  |  | Closed | 2025-06-25 09:54 | 2025-07-09 15:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.641%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 268. An interior and exterior appraisal was completed for this property – see pg 19, per the other considerations section of Initial LE issued within 3 business days from the application date, 1st lien is escrowed, a copy of the appraisal was given to the borrower – see Pg#'s 15, 109. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/09/2025 <br>Resolved-The loan's (10.641%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 268. An interior and exterior appraisal was completed for this property – see pg 19, per the other considerations section of Initial LE issued within 3 business days from the application date, 1st lien is escrowed, a copy of the appraisal was given to the borrower – see Pg#'s 15, 109. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854036 |  |  | Closed | 2025-06-25 08:32 | 2025-07-03 10:55 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Requested AVM provided which is sufficient for second lien loans with loan amount less than XXXX hence resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. AVM uploaded for review. - Buyer-07/XX/2025 <br> Open-Appraisal is Missing Missing appraisal product for second liens. - Due Diligence Vendor-06/XX/2025 | Resolved-Requested AVM provided which is sufficient for second lien loans with loan amount less than XXXX hence resolved. - Due Diligence Vendor-07/03/2025 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/03/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854055 |  |  | Closed | 2025-06-30 01:11 | 2025-07-03 13:11 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Seller-07/XX/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Missing coverage amount from policy provided. - Due Diligence Vendor-06/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/03/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854055 |  |  | Closed | 2025-06-26 07:18 | 2025-07-02 12:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Finding re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 350. An interior and exterior appraisal was completed for this property – see pg 55, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 137. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Finding re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/02/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 350. An interior and exterior appraisal was completed for this property – see pg 55, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 137. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/26/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854055 |  |  | Closed | 2025-06-26 07:18 | 2025-07-02 12:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Finding re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (11.686%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 350. An interior and exterior appraisal was completed for this property – see pg 55, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 137. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Finding re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/02/2025 <br>Resolved-The loan's (11.686%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 350. An interior and exterior appraisal was completed for this property – see pg 55, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 137. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/26/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854060 |  |  | Closed | 2025-06-27 07:52 | 2025-07-03 12:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided hence resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure - Due Diligence Vendor-06/XX/2025 | Resolved-Requested Initial CD Provided hence resolved. - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854060 |  |  | Closed | 2025-06-26 13:26 | 2025-07-02 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested SE Business Narrative Provided hence resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. SE Bus Nar uploaded (there is no Bor 2) - Buyer-07/XX/2025 <br>Open-Missing Business Narrative for B1 & B2. - Due Diligence Vendor-06/XX/2025 | Resolved-Requested SE Business Narrative Provided hence resolved. - Due Diligence Vendor-07/02/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916389 |  |  | Closed | 2025-07-03 22:34 | 2025-07-23 15:14 | Resolved | 1 - Information A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Fired due to tax service fee on CD dated XXX updated as a post close CD per audit. Client clarified that it was a clerical error - that CD was issued on XXXX. Confirmed e-signature date of XXXX on said CD. Entry for the date on TRID header page updated to XXXX. This fee was removed from the final CD. Mavent is passing. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. LOE uploaded for review. - Seller-07/XX/2025 <br> Counter-To clarify, the seller will provide an LOE or an updated PCCD. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-The 'PCCD' that is dated XXXX is not a PCCD. If you look at the signature line it was signed on XXXX, three days before the loan closed. The Final CD, which is the last CD, was signed on XXXX. That should be the document that is being looked at. It's confusing, I don't know why the seller has a document dated XXXX when it was signed on XXXX, but the last CD was the Final CD that was signed on XXXX. I will request an LOE from the seller on the CD date confusion. So we can know for sure whether a PCCD was issued or not. If one was issued then I will request we get an updated version that doesn't show it was signed 3 days before closing. Thanks for working with me on this one. - Buyer-07/XX/2025 <br> Open-This fee was added back to the PCCD on page 1294 of the loan package provided. The finding fired because this fee is in section B and paid to the creditor and not to other service provider. Also Section 6.2-328 of the XXXX does not allow Tax Related Service Fee - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Open-There are ($65.00) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) X - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Fired due to tax service fee on CD dated XXXX updated as a post close CD per audit. Client clarified that it was a clerical error - that CD was issued on XXXX. Confirmed e-signature date of XXXX on said CD. Entry for the date on TRID header page updated toXXXX. This fee was removed from the final CD. Mavent is passing. Resolved. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916389 |  |  | Closed | 2025-07-02 14:32 | 2025-07-23 14:56 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Tax Related Service Fee (Fee ID: 107) | Resolved-Fired due to tax service fee on CD dated XXXX updated as a post close CD per audit. Client clarified that it was a clerical error - that CD was issued on XXXX. Confirmed e-signature date of XXXX on said CD. Entry for the date on TRID header page updated to 6/XX/25. This fee was removed from the final CD. Mavent is passing. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. LOE uploaded for review. - Buyer-07/XX/2025 <br> Counter-To clarify, the seller will provide an LOE or an updated PCCD. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-The 'PCCD' that is dated XXXX is not a PCCD. If you look at the signature line it was signed on 6/3, three days before the loan closed. The Final CD, which is the last CD, was signed on XXXX. That should be the document that is being looked at. It's confusing, I don't know why the seller has a document dated XXXX when it was signed on XXXX, but the last CD was the Final CD that was signed on XXXX. I will request an LOE from the seller on the CD date confusion. So we can know for sure whether a PCCD was issued or not. If one was issued then I will request we get an updated version that doesn't show it was signed 3 days before closing. Thanks for working with me on this one. - Seller-07/XX/2025 <br> Counter-This fee was added back to the PCCD issued on XXXX on page 1294 of the loan package provided. Section 6.2-328 of the XXXX does not allow Tax Related Service Fee - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-There isn't a PCCD. All closing disclosures were signed on XXXX or before and the Final CD is dated XXXX. - Buyer-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-There isn't a PCCD. All closing disclosures were signed on XXXX or before and the Final CD is dated XXXX. - Buyer-07/XX/2025 <br> Counter-The tax service fee was on the loan estimates and the initial CD removed from the final CD and added back to the PCCD - pg 1295. - Due Diligence Vendor-07/XX/2025 <br> Counter- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-I don't see a Tax Service Fee listed on the Final CD - Buyer-07/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Tax Related Service Fee (Fee ID: 107) to be charged to the Borrower in XXXX. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Fired due to tax service fee on CD dated XXXX updated as a post close CD per audit. Client clarified that it was a clerical error - that CD was issued on XXXX. Confirmed e-signature date of XXXX on said CD. Entry for the date on TRID header page updated to XXX. This fee was removed from the final CD. Mavent is passing. Resolved. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916389 |  |  | Closed | 2025-06-26 05:35 | 2025-07-23 14:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-COC form provided and updated to review. Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved- - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. COC uploaded for review. - Buyer-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC form for Points - Loan Discount Fee that increased on the final CD. To cure provide PCCD. LOE, evidence of refund check and POD. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-COC form provided and updated to review. Resolved - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916389 |  |  | Closed | 2025-06-26 04:29 | 2025-07-09 11:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title report provided with updated coverage amount hence resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/XX/2025 <br> Resolved-Requested updated title report provided with updated coverage amount hence resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Updated Title uploaded for review. - Buyer-07/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title Coverage Amount on policy provided is Less than Loan Amount - Due Diligence Vendor-07/XX/2025 | Resolved-Requested updated title report provided with updated coverage amount hence resolved. - Due Diligence Vendor-07/09/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/09/2025 <br> Resolved-Requested updated title report provided with updated coverage amount hence resolved. - Due Diligence Vendor-07/09/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916389 |  |  | Closed | 2025-07-23 14:34 | 2025-07-23 15:12 | Rescinded | 1 - Information A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Rescinded-x - Due Diligence Vendor-07/23/2025 <br>Resolved-Fired in error, entry updated. Rescinded. - Due Diligence Vendor-07/23/2025 <br>Resolved- - Due Diligence Vendor-07/23/2025 <br>Open- - Due Diligence Vendor-07/23/2025 | Rescinded-x - Due Diligence Vendor-07/23/2025 <br>Resolved-Fired in error, entry updated. Rescinded. - Due Diligence Vendor-07/23/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916389 |  |  | Closed | 2025-06-26 05:35 | 2025-07-23 14:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (13.696%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) Finding re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (13.698%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) x - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (13.696%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) x - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-Status changed back to resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Is there something needed for this condition? - Seller-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (13.698%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Confirmed 1st lien is escrowed. Rate lock date was entered correctly – see Pg#'s 1096 An interior and exterior appraisal was completed for this property – see pg 104-112 , the appraisal disclosure was provided to the borrower(s)- see Pg#'96, and borrower received appraisal disclosure – see Pg#'s 1080 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (13.696%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) Finding re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-The loan's (13.698%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) x - Due Diligence Vendor-07/10/2025 <br>Resolved-The loan's (13.696%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) x - Due Diligence Vendor-07/10/2025 <br>Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-07/10/2025 <br>Resolved-Status changed back to resolved - Due Diligence Vendor-07/10/2025 <br>Resolved-The loan's (13.698%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Confirmed 1st lien is escrowed. Rate lock date was entered correctly – see Pg#'s 1096 An interior and exterior appraisal was completed for this property – see pg 104-112 , the appraisal disclosure was provided to the borrower(s)- see Pg#'96, and borrower received appraisal disclosure – see Pg#'s 1080 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/26/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854058 |  |  | Closed | 2025-06-26 06:44 | 2025-07-07 11:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial CD - Due Diligence Vendor-06/XX/2025 | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-07/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | 5854029 |  |  | Closed | 2025-06-26 08:16 | 2025-07-03 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. credit refresh shows UDN good through 8/XX/2025 - Buyer-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing in file. - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854056 |  |  | Closed | 2025-06-27 02:53 | 2025-07-08 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative Provided. Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Missing Self-employed Business Narrative in file - Due Diligence Vendor-06/XX/2025 | Resolved-Business narrative Provided. Resolved - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854056 |  |  | Closed | 2025-06-27 00:52 | 2025-07-08 09:01 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired - Due Diligence Vendor-06/XX/2025 | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854056 |  |  | Closed | 2025-06-26 14:51 | 2025-07-06 22:13 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br>Resolved-1008 provided and updated in LM - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-06/XX/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/06/2025 <br>Resolved-1008 provided and updated in LM - Due Diligence Vendor-07/06/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916401 |  |  | Closed | 2025-06-26 13:21 | 2025-07-23 20:47 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Updated 1008 uploaded for review. - Buyer-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. Property is in PUD but 1008 showing as SFR 1st and 2nd lien payments provided on 1008 are different from verified amounts. Front and back end DTI per audit exceed GL max 50% (tax and ins were not included). Provide 1008 corrected 1st and 2nd lien payment amounts and property type. - Due Diligence Vendor-06/XX/2025 | Resolved-Updated 1008 Provided, Resolved - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916401 |  |  | Closed | 2025-06-26 13:09 | 2025-07-23 20:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves DTI exception. Comp Factors: XXXX FICO, 35 mos reserves and $XXXX residual income - Buyer-07/XX/2025 <br> Open-Audited DTI of 51.25% exceeds Guideline DTI of 50% 1st and 2nd lien payments provided on 1008 are different from verified amounts. Front and back end DTI per audit exceed GL max of 50% (tax and ins were not included). Provide exception for loan approved against lender guidelines - Due Diligence Vendor-06/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/23/2025<br>|  |  | XXXX FICO, <br> 35 mos reserves, min is 3<br> $XXXX residual income, min is $1,500 | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916401 |  |  | Closed | 2025-06-26 13:12 | 2025-07-09 16:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided, resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Buyer-07/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to proceed disclosure. - Due Diligence Vendor-06/XX/2025 | Resolved-ITP provided, resolved. - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916374 |  |  | Closed | 2025-07-10 10:54 | 2025-08-06 20:16 | Acknowledged | 2 - Non-Material C B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Acknowledged-Per external counsel, appropriate to Acknowledge as a B<br> - Due Diligence Vendor-08/XX/2025 <br>Acknowledged-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/XX/2025 <br>Open-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Acknowledged-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Acknowledged-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/XX/2025 <br>Open-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Acknowledged-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Seller response uploaded for review. - Seller-07/XX/2025 <br>Open-The loan's (10.314%) APR equals or exceeds the XXXX junior lien threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.74%).XXXX - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Acknowledged-Per external counsel, appropriate to Acknowledge as a B<br> - Due Diligence Vendor-08/06/2025 <br>Acknowledged-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/30/2025 <br>Acknowledged-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/30/2025 <br>Acknowledged-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/30/2025 <br>Acknowledged-Per external counsel, appropriate to Acknowledge as a B - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916374 |  |  | Closed | 2025-07-10 10:54 | 2025-07-30 16:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC located that included the Appraisal Reinspection Fee of $185, TRID screen updated and Mavent re-run and TILA/RESPA was clear. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Counter- - Due Diligence Vendor-07/XX/2025 <br> Counter- - Due Diligence Vendor-07/XX/2025 <br> Counter- - Due Diligence Vendor-07/XX/2025 <br> Open-On the Revised CD dated XXXX, there is an additional Appraisal Reinspection Fee of $185 that was not included in the COCs. The Reinspection fee went up from $250 to $370. Provide COC. - Due Diligence Vendor-07/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Reinspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. All Disclosed CDs and COC uploaded for review. - Seller-07/XX/2025 <br> Counter-The LE or CD that corresponds with some of the COC dates in the provided document are not in file. The Categories that are not in compliance include: Appraisal Fee, Commitment (Rate Lock) Fee, Reinspection Fee and the issues are outlined herein:<br>On the Final CD dated XXXX, two Appraisal Reinspection Fees were added each in the amount of $185 (total $370) and there is no COC that corresponds with this date and amount. There is a COC dated XXXX provided in Findings that addresses an added reinspection fee of $250 but no Revised LE or CD in file that corresponds to that date. Nor is there a COC provided that addresses the second reinspection fee. <br>On the Final CD datedXXXX, the Commitment (Rate Lock) Fees reflect XXXX. The COC dated XXXX provided in Findings addresses the addition of the $253.50 Lock Extension Fee and the COC dated XXXX provided in Findings addressed the addition of the $887.25 Lock Extension Fee. The COC dated XXXX provided in Findings addressed the addition of the $760 Lock Extension Fee but there is no Revised LE or CD that corresponds with that COC date. <br>Appraisal Fee increased from $750 on the Initial CD dated 5/XX/25 to $875 on the Final CD datedXXXX but the COC provided in Findings addressing the COC for the Appraisal Fee is dated XXXX There is not a Revised CD in file that corresponds with that COC date. <br>These are the LE and CD documents provided in file:<br> Initial LE dated XXXX on p 882. <br> Revised LE dated XXXX with a COC in file on p 211 with a Change Date ofXXXX – Loan locked and XXXX points charged. <br> Initial CD dated XXXX provided in Findings.<br> Final CD dated XXXX on p 232.<br>- Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. CD COC from seller uploaded for review. - Seller-07/XX/2025 <br> Open-No COC or Lender Credits provided to cure the tolerance. - Due Diligence Vendor-07/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Commitment (Rate Lock) Fee, Reinspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-COC located that included the Appraisal Reinspection Fee of $185, TRID screen updated and XXXX re-run and TILA/RESPA was clear. Resolved. - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916374 |  |  | Closed | 2025-07-10 10:54 | 2025-07-30 16:35 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/XX/2025 <br>Open-The loan's (10.314%) APR equals or exceeds the Federal HPML threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/30/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/30/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/30/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 619 and the Final Closing disclosure on Pg#'s 232, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 885. An interior and exterior appraisal was completed for this property – see pg 92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 90, and confirmation the appraisal was delivered to the borrower – see Pg#'s 90. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916374 |  |  | Closed | 2025-07-02 19:21 | 2025-07-10 16:46 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-The transaction meets seasoning requirements. Documentation provided in FindingsXXXX. The borrower purchased the subject property on XXXX under the business name "XXXX," of which he is the sole member. A Deed of Trust was executed by XXXX. This is a rate-and-term refinance of the subject property's first lien. The chain of title reflects a transfer from "XXXX provided reflecting sole membership. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Lender Cert uploaded for review. - Seller-07/XX/2025 <br> Open-Subject Occupancy is Primary Residence and Refi type is Cash out. Borrower has owned the property for XXXX months and 6 months seasoning is required per guidelines. XXXX, p XXXX, reflects "XXXX and recorded on XXXX." Appraisal, p XXXX, states Date of Prior Sale/Transfer was XXXX. Need chain of title or proof of length of ownership greater than the 6-month requirement. - Due Diligence Vendor-07/XX/2025 | Resolved-The transaction meets seasoning requirements. Documentation provided in Findings: XXXX.PDF. The borrower purchased the subject property on XXXX under the business name "XXXX," of which he is the sole member. A Deed of Trust was executed by XXXX. This is a rate-and-term refinance of the subject property's first lien. The chain of title reflects a transfer from "XXXX provided reflecting sole membership. Resolved. - Due Diligence Vendor-07/10/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916374 |  |  | Closed | 2025-06-27 08:40 | 2025-07-10 11:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Seller-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure The Initial CD is missing. Compliance will be run upon receipt. - Due Diligence Vendor-06/XX/2025 | Resolved-Initial CD provided. - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854034 |  |  | Closed | 2025-06-27 06:14 | 2025-07-02 18:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (13.38%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s 372 An interior and exterior appraisal was completed for this property – see pg 64-72 , the appraisal disclosure was provided to the borrower(s)- see Pg#'44, and copy of the appraisal was given to the borrower – see Pg#'s 360 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (13.38%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s 372 An interior and exterior appraisal was completed for this property – see pg 64-72 , the appraisal disclosure was provided to the borrower(s)- see Pg#'44, and copy of the appraisal was given to the borrower – see Pg#'s 360 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/27/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854052 |  |  | Closed | 2025-06-27 16:47 | 2025-07-10 14:47 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD provided. PC Mavent is passing, resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-07/XX/2025 <br> Open-Disbursement Date XXXX. however Final documents & Notary date is XXXX. provide PCCD. - Due Diligence Vendor-06/XX/2025 | Resolved-PCCD provided. PC Mavent is passing, resolved. - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854052 |  |  | Closed | 2025-06-27 17:01 | 2025-07-10 14:46 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD with updated disbursement and per diem dates provided. PC Mavent is passing, resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. attached - Seller-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Fired because disbursement date is prior to notary date. - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 | Resolved-PCCD with updated disbursement and per diem dates provided. PC XXXX is passing, resolved. - Due Diligence Vendor-07/10/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854052 |  |  | Closed | 2025-06-27 17:01 | 2025-07-10 14:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Re-opened due to running PC Mavent. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 214 and the Final Closing disclosure on Pg#'s 103, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 102. A valuation was completed for this property – see pg 11, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 5, 30, 275 and confirmation the borrower signed waiver regarding appraisal report – see Pg#'s 31 confirmed on first mortgage statement 1st lien has escrow impoundedThe loan meets HPML guidelines, resolved - Due Diligence Vendor-06/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Re-opened due to running PC Mavent. Resolved. - Due Diligence Vendor-07/10/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 214 and the Final Closing disclosure on Pg#'s 103, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 102. A valuation was completed for this property – see pg 11, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 5, 30, 275 and confirmation the borrower signed waiver regarding appraisal report – see Pg#'s 31 confirmed on first mortgage statement 1st lien has escrow impoundedThe loan meets HPML guidelines, resolved - Due Diligence Vendor-06/27/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854052 |  |  | Closed | 2025-06-27 17:01 | 2025-07-10 14:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Re-opened due to running PC Mavent. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.504%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 214 and the Final Closing disclosure on Pg#'s 103, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 102. A valuation was completed for this property – see pg 11, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 5, 30, 275 and confirmation the borrower signed waiver regarding appraisal report – see Pg#'s 31 confirmed on first mortgage statement 1st lien has escrow impoundedThe loan meets HPML guidelines, resolved - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-Re-opened due to running PC Mavent. Resolved. - Due Diligence Vendor-07/10/2025 <br>Resolved-The loan's (10.504%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 214 and the Final Closing disclosure on Pg#'s 103, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 102. A valuation was completed for this property – see pg 11, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 5, 30, 275 and confirmation the borrower signed waiver regarding appraisal report – see Pg#'s 31 confirmed on first mortgage statement 1st lien has escrow impoundedThe loan meets HPML guidelines, resolved - Due Diligence Vendor-06/27/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916385 |  |  | Closed | 2025-07-07 18:49 | 2025-07-21 22:39 | Waived | 2 - Non-Material C B | Credit | Doc Issue | Missing proof of hazard insurance | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br>Unable to Resolve-Unable to Resolve-XXXX approves exception. Borrower has an individual policy that provides full coverage of the property. - Buyer-07/XX/2025 <br>Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/21/2025<br>|  |  | XXXX FICO<br> Borrower has an individual policy that provides full coverage of the property | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916385 |  |  | Closed | 2025-06-30 06:15 | 2025-07-07 19:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.171%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 386. An interior and exterior appraisal was completed for this property – see Pg. 48 , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 47 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (10.171%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 386. An interior and exterior appraisal was completed for this property – see Pg. 48 , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 47 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-06/30/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940510 |  |  | Closed | 2025-07-21 05:11 | 2025-07-31 08:36 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Updated Title Doc provided with the Coverage amount that covers loan amount, Updated & Condition Resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED TC - Due Diligence Vendor-07/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-07/XX/2025 | Resolved-Requested Updated Title Doc provided with the Coverage amount that covers loan amount, Updated & Condition Resolved. - Due Diligence Vendor-07/31/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/31/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940510 |  |  | Closed | 2025-07-21 07:05 | 2025-07-25 13:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Formal exception - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-XXXX - Due Diligence Vendor-07/XX/2025 <br> Open-Audited CLTV Exceeds Guideline CLTV Per Guidelines 04/XX/2024 Max CLTV is 75% for fico scores between 680 to 699. - Due Diligence Vendor-07/XX/2025 | Waived-Formal exception - Due Diligence Vendor-07/25/2025<br>| XXXX |  | Residual income $XXXX. 6 month reserves from IRA. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940510 |  |  | Closed | 2025-07-21 07:16 | 2025-07-25 07:47 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Previous address Verified from credit report showing months reviewed as XXXX resolved. Housing History Meets Guideline Requirements.<br> - Due Diligence Vendor-07/XX/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1003 - Due Diligence Vendor-07/XX/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per Final 1003 Borrower staying in current address as rent and rent amount is not provided. Living since 1 Year. Provided VOR or Most recent 12 months rent payments to verify the 12 Months housing history. - Due Diligence Vendor-07/XX/2025 | Resolved-Previous address Verified from credit report showing months reviewed as XXXX resolved. Housing History Meets Guideline Requirements.<br> - Due Diligence Vendor-07/25/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940510 |  |  | Closed | 2025-07-21 06:59 | 2025-07-21 07:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.812%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.812%) equals or exceeds the California HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.04%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s 279 An interior and exterior appraisal was completed for this property – see pg 79-85 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 278, and copy of the appraisal was given to the borrower – see Pg#'s 56 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.812%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.812%) equals or exceeds the California HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.04%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s 279 An interior and exterior appraisal was completed for this property – see pg 79-85 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 278, and copy of the appraisal was given to the borrower – see Pg#'s 56 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916514 |  |  | Closed | 2025-07-21 08:33 | 2025-07-23 16:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg# 71 reflects escrows. Rate lock date was entered correctly see Pg.'s 222 An interior and exterior appraisal was completed for this property – see pg. 32 the appraisal disclosure was provided to the borrower(s)- see Pg#'13 and copy of the appraisal was given to the borrower see Pg# 15 for the copy of the disclosure, ECOA disclosure page no #13, 267. The loan meets HPML guidelines." <br> - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg# 71 reflects escrows. Rate lock date was entered correctly see Pg.'s 222 An interior and exterior appraisal was completed for this property – see pg. 32 the appraisal disclosure was provided to the borrower(s)- see Pg#'13 and copy of the appraisal was given to the borrower see Pg# 15 for the copy of the disclosure, ECOA disclosure page no #13, 267. The loan meets HPML guidelines." <br> - Due Diligence Vendor-07/21/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916514 |  |  | Closed | 2025-07-21 08:33 | 2025-07-23 16:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (9.95%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg# 71 reflects escrows. Rate lock date was entered correctly see Pg.'s 222 An interior and exterior appraisal was completed for this property – see pg. 32 the appraisal disclosure was provided to the borrower(s)- see Pg#'13 and copy of the appraisal was given to the borrower see Pg# 15 for the copy of the disclosure, ECOA disclosure page no #13, 267. The loan meets HPML guidelines." - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (9.95%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg# 71 reflects escrows. Rate lock date was entered correctly see Pg.'s 222 An interior and exterior appraisal was completed for this property – see pg. 32 the appraisal disclosure was provided to the borrower(s)- see Pg#'13 and copy of the appraisal was given to the borrower see Pg# 15 for the copy of the disclosure, ECOA disclosure page no #13, 267. The loan meets HPML guidelines." - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916402 |  |  | Closed | 2025-06-30 13:22 | 2025-07-15 22:27 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-VOM Provided, Resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-07/XX/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower living in primary house, under final 1003 borrower stated he staying in primary house from 4 years but under credit report mortgage opened date reflecting as XXXX. unable to verify the primary housing history. - Due Diligence Vendor-06/XX/2025 | Resolved-VOM Provided, Resolved. - Due Diligence Vendor-07/15/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854045 |  |  | Closed | 2025-07-08 20:13 | 2025-07-10 13:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided rate lock with corrected loan amount. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br> Open-Provide rate lock with corrected loan amount of XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided rate lock with corrected loan amount. Condition resolved. - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854045 |  |  | Closed | 2025-06-30 10:54 | 2025-07-08 20:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.1%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 264-265 An interior and exterior appraisal was completed for this property – see pg 27 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 245 copy of the appraisal was given to the borrower – see Pg#'s 13 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-06/XX/2025 | Resolved-The loan's (12.1%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 264-265 An interior and exterior appraisal was completed for this property – see pg 27 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 245 copy of the appraisal was given to the borrower – see Pg#'s 13 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-06/30/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916516 |  |  | Closed | 2025-07-18 09:40 | 2025-07-28 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 provided in Findings: XXXX. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-The 1008 document is missing from the loan file. The provided 1008 is not reflecting the 'Amount of Subordinate Financing', 'Loan Purpose', or the FICO score. Also, in the Proposed Monthly Payment column, the First Mortgage P&I is reflected as $XXXX however the mortgage statement, p XXXX, reflects the P&I of $XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-1008 provided in Findings: XXXX. Resolved. - Due Diligence Vendor-07/28/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/28/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916516 |  |  | Closed | 2025-07-18 10:15 | 2025-07-28 07:08 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico mis match from 1008 to credit report, provided updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-updated 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The FICO score on the 1008 is missing. - Due Diligence Vendor-07/XX/2025 | Resolved-Fico mis match from 1008 to credit report, provided updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916509 |  |  | Closed | 2025-07-24 19:20 | 2025-07-28 13:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-lock - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916476 |  |  | Closed | 2025-07-23 17:33 | 2025-07-28 19:34 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender approval received, resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-approval - Due Diligence Vendor-07/XX/2025 <br>Open-Missing lender approval form. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender approval received, resolved. - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916476 |  |  | Closed | 2025-07-22 05:27 | 2025-07-28 19:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-07/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Missing COC form for lender credit decrease on initial CD. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916476 |  |  | Closed | 2025-07-22 05:27 | 2025-07-28 19:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-coc - Due Diligence Vendor-07/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC form for points fee added to initial CD. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940509 |  |  | Closed | 2025-07-31 00:50 | 2025-08-18 19:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br> Open-Document Uploaded. COC attached, seller cannot see condition in XXXX - Seller-08/XX/2025 <br> Open-Fired due to points fee that increased from XXXX on revised CD issued on XXXX. Missing COC form issued - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940509 |  |  | Closed | 2025-07-22 04:53 | 2025-08-11 22:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception - Buyer-07/XX/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Per matrix (02-11-2025), minimum loan amount requirement is $125,000<br> Exception is on page XXXX<br> Exception Notes:<br> $XXXX loan amount approved (<$XXXX loan amount) - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/11/2025<br>|  |  | Credit Score is XXXX. Minimum required per guidelines is 720.<br> CLTV is 69.6%. Maximum allowed per guidelines is 90%.<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940509 |  |  | Closed | 2025-07-22 05:43 | 2025-07-31 00:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-coc XXXX- Due Diligence Vendor-07/XX/2025 <br> Counter-Date of change on COC form provided is XXXX. Missing COC form issued within 3 business days of Revised LE issued XXXX. To cure provide PCCD, LOE, evidence of refund check and POD. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC form for points fee increase on revised LE issued XXXX - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved- - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940509 |  |  | Closed | 2025-07-23 20:13 | 2025-07-31 00:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-coc dated XXXX - Due Diligence Vendor-07/XX/2025 <br> Counter-LC iao $311 was decreased to $0 on revised LE dated XXXX. LC iao $11.40 on the final CD i8s insufficient to cure. Missing COC form issued within 3 business days of revised LE or to cure provide PCCD, LOE, evidence of refund check and POD. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Signed CD has 11140 cure - see page 2 - Due Diligence Vendor-07/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($313.00). The Last CD shows a total lender credit amount of ($11.40). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Missing COC for LC that decreased to 0 when revised LE was issued. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved- - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916506 |  |  | Closed | 2025-07-23 21:08 | 2025-07-31 17:42 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-1008 Provided, Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Per Mary, a 1008 will suffice - Due Diligence Vendor-07/XX/2025 <br>Counter-Missing lender approval with loan program and income doc type - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Please waive. Our approval is not needed - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-1008 Provided, Resolved - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916511 |  |  | Closed | 2025-07-21 15:28 | 2025-07-31 08:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested Self Employed Business Narrative Provided, Updated & Condition Resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Business narrative - Due Diligence Vendor-07/XX/2025 <br>Open-Missing Business Narrative - Due Diligence Vendor-07/XX/2025 | Resolved-Requested Self Employed Business Narrative Provided, Updated & Condition Resolved. - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916511 |  |  | Closed | 2025-07-21 14:56 | 2025-07-24 01:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing first lien and the Final Closing disclosure is on Pg#'s79,. Rate lock date was entered correctly – see Pg#'s193, An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 15 and confirmation the appraisal was delivered to the borrower – see Pg#'s 59. The loan meets HPML guidelines, - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing first lien and the Final Closing disclosure is on Pg#'s79,. Rate lock date was entered correctly – see Pg#'s193, An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 15 and confirmation the appraisal was delivered to the borrower – see Pg#'s 59. The loan meets HPML guidelines, - Due Diligence Vendor-07/21/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916511 |  |  | Closed | 2025-07-21 14:56 | 2025-07-24 01:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.617%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing first lien and the Final Closing disclosure is on Pg#'s79,. Rate lock date was entered correctly – see Pg#'s193, An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 15 and confirmation the appraisal was delivered to the borrower – see Pg#'s 59. The loan meets HPML guidelines, - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.617%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing first lien and the Final Closing disclosure is on Pg#'s79,. Rate lock date was entered correctly – see Pg#'s193, An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 15 and confirmation the appraisal was delivered to the borrower – see Pg#'s 59. The loan meets HPML guidelines, - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961457 |  |  | Closed | 2025-07-21 17:14 | 2025-09-05 21:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Missing Resolved - Due Diligence Vendor-09/XX/2025 <br> Resolved-Upon further compliance review, Housing Counselors Near You disclosure is sufficient. Condition resolved. - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-I'd need to know the CO statute they're referring to but I'm thinking they're using 5-3.5-103 (Consumer Caution Notice) which is referring to a high cost mortgage 1026.31(C) (1026.32) of which this mortgage does not qualify:<br> - Due Diligence Vendor-09/XX/2025 <br> Counter-Lender provided Housing Counselors Near You disclosure which is used for loans that do not involve a Primary residence. The Consumer Caution and Home Owner Counseling Notice disclosure is used when the subject loan is for the primary residence as in this case. Provide complete Consumer Caution and Home Owner Counseling Notice. Condition unresolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-We have a Docmagic cert that was attached to the initial disclosures which confirms that the borrower has acknowledged the counseling list, is that not acceptable? <br>- Due Diligence Vendor-08/XX/2025 <br> Open-Consumer Caution and Home Owner Counseling Notice is Missing Adding first lien escrows - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-THE CONSUMER CAUTION DISCLOSURE: That disclosure would only be required on High Cost loans of which this is NOT one: - Due Diligence Vendor-08/XX/2025 <br> Counter-Lender provided Housing Counselor Near Year disclosure. The Consumer Caution and Homeowner Counseling Notice Disclosure is a legal requirement for lenders to provide consumers with information about the risks associated with home loans and the importance of homeownership counseling. It includes details on the potential for loss of home and investment if not meeting loan obligations. The Housing Counselor Near You Disclosure is a separate disclosure that provides consumers with a list of local housing counselors who can offer independent and informed advice on buying a home, renting, defaults, foreclosures, and credit issues. This disclosure is provided shortly after applying for a mortgage to help consumers access the necessary counseling services. Both disclosures aim to protect consumers by ensuring they are well-informed about the financial risks and available resources when considering a home loan or homeownership. Provide complete Consumer Caution and Home Owner Counseling Notice. Condition unresolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-HOC ALL PAGES - Due Diligence Vendor-08/XX/2025 <br> Counter-Lender provided incomplete list of service providers. Provide complete Consumer Caution and Home Owner Counseling Notice. Condition unresolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-HOC - Due Diligence Vendor-07/XX/2025 <br> Open-Consumer Caution and Home Owner Counseling Notice is Missing Consumer Caution and Homeowner Counselling Notice is Missing - Due Diligence Vendor-07/XX/2025 | Resolved-Consumer Caution and Home Owner Counseling Notice is Missing Resolved - Due Diligence Vendor-09/05/2025 <br>Resolved-Upon further compliance review, Housing Counselors Near You disclosure is sufficient. Condition resolved. - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961457 |  |  | Closed | 2025-07-21 16:30 | 2025-08-06 22:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Escalated-XXXX Approves exception - Seller-08/XX/2025 <br> Escalated-Escalating for XXXX approval - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX as per GL XXXX Second Lien Matrix 04.04.2024 - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | XXXX FICO. 700 Min.<br> Over 5 years at current employer.<br> 0x30 Mtg pay history for over 60 months. Min 0x30 within the past 12 months. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5961457 |  |  | Closed | 2025-07-21 17:33 | 2025-07-25 10:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver not needed for 2nd lien files. Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-PLS WAIVE. WE DO NOT ESCROW ON 2NDS - Due Diligence Vendor-07/XX/2025 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-07/XX/2025 | Resolved-Escrow waiver not needed for 2nd lien files. Resolved<br> - Due Diligence Vendor-07/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961457 |  |  | Closed | 2025-07-21 17:15 | 2025-08-18 20:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Re- run for escrows - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (11.41%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#79 reflects escrows. Rate lock date was entered correctly see Pg# 220 An interior and exterior appraisal was completed for this property – see Page#37 the appraisal disclosure was provided to the borrower(s)- see Pg# 220, and copy of the appraisal was given to the borrower see Pg# 220 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Re- run for escrows - Due Diligence Vendor-08/18/2025 <br>Resolved-The loan's (11.41%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#79 reflects escrows. Rate lock date was entered correctly see Pg# 220 An interior and exterior appraisal was completed for this property – see Page#37 the appraisal disclosure was provided to the borrower(s)- see Pg# 220, and copy of the appraisal was given to the borrower see Pg# 220 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854035 |  |  | Closed | 2025-07-03 11:49 | 2025-07-11 10:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 provided with correct income. Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Updated 1003-these do not have to match perfectly as previously mentioned. DTI is also very low. Please clear. - Buyer-07/XX/2025 <br> Open-The Final 1003 is Incomplete Income given on Final 1003 is $XXXX, which is not matching with the 1008 and Final loan approval on page #652, and verified income as per given bank statements is $XXXX, provide updated Final 1003 which correct income. - Due Diligence Vendor-07/XX/2025 | Resolved-Updated Final 1003 provided with correct income. Resolved - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940517 |  |  | Closed | 2025-07-21 07:08 | 2025-08-06 22:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Escalated-XXXX approves exception - Seller-08/XX/2025 <br>Escalated-Escalating for XXXX visibility<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br>Open-Audited DTI Exceeds Guideline DTI as per Guideline DTI is Max 45% DTI. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | XXXX FICO, 21 mos reserves, $XXXX residual income. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940517 |  |  | Closed | 2025-07-21 06:57 | 2025-08-06 22:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Escalated-XXXX approves exception - Seller-08/XX/2025 <br>Escalated-Escalating for XXXX visibility<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br>Open-Audited DTI of 45.09% exceeds Guideline DTI of 45% as per Updated provided Guideline DTI of 45% - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | XXXX FICO, 21 mos reserves, $XXXX residual income. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940517 |  |  | Closed | 2025-07-21 06:46 | 2025-07-21 07:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.455%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 53 An interior and exterior appraisal was completed for this property – see pg 32 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 220 , and copy of the appraisal was given to the borrower – see Pg#'s 20 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.455%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 53 An interior and exterior appraisal was completed for this property – see pg 32 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 220 , and copy of the appraisal was given to the borrower – see Pg#'s 20 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916496 |  |  | Closed | 2025-07-21 08:28 | 2025-07-31 08:15 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested Updated 1008 with Updated Fico Provided, Now Fico is matching with Credit report, Updated & Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide updated 1008 including FICO score and correct P&I 1st lien payment to $XXXX as in indicated on Sr. lien note. - Due Diligence Vendor-07/XX/2025 | Resolved-Requested Updated 1008 with Updated Fico Provided, Now Fico is matching with Credit report, Updated & Condition resolved. - Due Diligence Vendor-07/31/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916496 |  |  | Closed | 2025-07-21 09:45 | 2025-07-28 05:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/XX/2025 <br>Resolved-No Homeowners counselling required for Primary/Refinance Loans, Hence Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-HOC - Due Diligence Vendor-07/XX/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Consumer Caution and Homeowner Counselling Notice is Missing - Due Diligence Vendor-07/XX/2025 | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/28/2025 <br>Resolved-No Homeowners counselling required for Primary/Refinance Loans, Hence Finding Resolved - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916496 |  |  | Closed | 2025-07-21 12:51 | 2025-07-28 05:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow Waiver is not required for Second Lien Loans , and we can verify it from Final Cd 3rd pg, Hence Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-PLS WAIVE. WE DO NOT ESCROW ON 2NDS - Due Diligence Vendor-07/XX/2025 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-07/XX/2025 | Resolved-Escrow Waiver is not required for Second Lien Loans , and we can verify it from Final Cd 3rd pg, Hence Finding Resolved - Due Diligence Vendor-07/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916489 |  |  | Closed | 2025-07-23 23:06 | 2025-07-30 12:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-RATE LOCK - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916489 |  |  | Closed | 2025-07-21 05:38 | 2025-07-23 23:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.988%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#' 73<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#43-51,<br> ECOA Appraisal Disclosure OR the LE's page as the page# 62, 273<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 24<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.988%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#' 73<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#43-51,<br> ECOA Appraisal Disclosure OR the LE's page as the page# 62, 273<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 24<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916444 |  |  | Closed | 2025-07-02 09:44 | 2025-07-14 15:57 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Corrected HUD provided and updated to review, resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Please see Amended Final HUD removing Prepayment Penalty. - Due Diligence Vendor-07/XX/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Note and DOT do not reflect a Prepayment Penalty but the Final Settlement Statement (HUD-1) pg 220 reflects a Prepayment Penalty of $XXXX - Due Diligence Vendor-07/XX/2025 | Resolved-Corrected HUD provided and updated to review, resolved. - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916403 |  |  | Closed | 2025-07-03 06:44 | 2025-07-11 09:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial closing disclosure document provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-07/XX/2025 | Resolved-Initial closing disclosure document provided. - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916403 |  |  | Closed | 2025-07-09 22:09 | 2025-07-11 09:51 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved- - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916403 |  |  | Closed | 2025-07-14 14:51 | 2025-07-16 18:30 | Rescinded | 1 - Information A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Rescinded-data entry error- rescinded - Due Diligence Vendor-07/16/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/16/2025 <br>Open- - Due Diligence Vendor-07/14/2025 | Rescinded-data entry error- rescinded - Due Diligence Vendor-07/16/2025 <br>Resolved-Resolved - Due Diligence Vendor-07/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916513 |  |  | Closed | 2025-07-02 10:25 | 2025-07-08 06:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-locked LE - Due Diligence Vendor-07/XX/2025 <br>Open-Evidence of Rate Lock Missing Missing evidence of rate lock - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/08/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5854048 |  |  | Closed | 2025-07-03 08:39 | 2025-07-11 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. 1008 does not reflect the CLTV - Due Diligence Vendor-07/XX/2025 | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916497 |  |  | Closed | 2025-07-21 08:21 | 2025-07-23 18:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.65%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) Escrow Waiver IED Not required.<br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg#'s 88, Rate lock date was entered correctly – see Pg#'s238, An interior and exterior appraisal was completed for this property – see pg# 44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25 and confirmation the appraisal was delivered to the borrower – see Pg#'s 302. The loan meets HPML guidelines, - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.65%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) Escrow Waiver IED Not required.<br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. the Final Closing disclosure on Pg#'s 88, Rate lock date was entered correctly – see Pg#'s238, An interior and exterior appraisal was completed for this property – see pg# 44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25 and confirmation the appraisal was delivered to the borrower – see Pg#'s 302. The loan meets HPML guidelines, - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907057 |  |  | Closed | 2025-07-03 15:46 | 2025-07-17 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested Missing 1008 Document Provided hence resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please see the attached - Buyer-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. 1008 Missing in the file. - Due Diligence Vendor-07/XX/2025 | Resolved-Requested Missing 1008 Document Provided hence resolved. - Due Diligence Vendor-07/17/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916427 |  |  | Closed | 2025-07-03 08:08 | 2025-07-22 19:13 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PC CD with updated disbursement date. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded for review. - Buyer-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Closing date is XXXX but notarized on XXXX. Doesn't meet the requirement. Since notarized on 05/XX/2025, cancel date should be XXXX & Disbursement should be after XXXX. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided PC CD with updated disbursement date. Finding resolved. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916427 |  |  | Closed | 2025-07-03 14:34 | 2025-07-22 08:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Mavent from seller confirming discount points Provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Mavent from seller confirming discount points uploaded for review. - Seller-07/XX/2025 <br>Open-There are discount Points on Final Cd, Unable to verify Undiscounted Rate, Missing Discount Point Disclosure - Due Diligence Vendor-07/XX/2025 | Resolved-Mavent from seller confirming discount points Provided. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916427 |  |  | Closed | 2025-07-03 08:08 | 2025-07-22 19:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'421 Rate lock date was entered correctly – see Pg#'s 1104 An interior and exterior appraisal was completed for this property – see pg#289-299, ECOA Appraisal Disclosure OR the LE's page as the page#1074 confirmation the appraisal was delivered to the borrower – see Pg#'s .265 The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'421<br> Rate lock date was entered correctly – see Pg#'s 1104<br> An interior and exterior appraisal was completed for this property – see pg#289-299,<br> ECOA Appraisal Disclosure OR the LE's page as the page#1074<br> confirmation the appraisal was delivered to the borrower – see Pg#'s .265<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'421 Rate lock date was entered correctly – see Pg#'s 1104 An interior and exterior appraisal was completed for this property – see pg#289-299, ECOA Appraisal Disclosure OR the LE's page as the page#1074 confirmation the appraisal was delivered to the borrower – see Pg#'s .265 The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/22/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'421<br> Rate lock date was entered correctly – see Pg#'s 1104<br> An interior and exterior appraisal was completed for this property – see pg#289-299,<br> ECOA Appraisal Disclosure OR the LE's page as the page#1074<br> confirmation the appraisal was delivered to the borrower – see Pg#'s .265<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/03/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916427 |  |  | Closed | 2025-07-03 08:08 | 2025-07-22 19:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'421 Rate lock date was entered correctly – see Pg#'s 1104 An interior and exterior appraisal was completed for this property – see pg#289-299, ECOA Appraisal Disclosure OR the LE's page as the page#1074 confirmation the appraisal was delivered to the borrower – see Pg#'s .265 The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (12.51%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'421<br> Rate lock date was entered correctly – see Pg#'s 1104<br> An interior and exterior appraisal was completed for this property – see pg#289-299,<br> ECOA Appraisal Disclosure OR the LE's page as the page#1074<br> confirmation the appraisal was delivered to the borrower – see Pg#'s .265<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'421 Rate lock date was entered correctly – see Pg#'s 1104 An interior and exterior appraisal was completed for this property – see pg#289-299, ECOA Appraisal Disclosure OR the LE's page as the page#1074 confirmation the appraisal was delivered to the borrower – see Pg#'s .265 The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/22/2025 <br>Resolved-The loan's (12.51%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'421<br> Rate lock date was entered correctly – see Pg#'s 1104<br> An interior and exterior appraisal was completed for this property – see pg#289-299,<br> ECOA Appraisal Disclosure OR the LE's page as the page#1074<br> confirmation the appraisal was delivered to the borrower – see Pg#'s .265<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-07/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916409 |  |  | Closed | 2025-07-10 17:27 | 2025-07-21 21:33 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines. Finding resolved - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 329. An interior and exterior appraisal was completed for this property – see Pg. 20, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 45 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open-The loan's (12.475%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Ready for Review- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-This is an Equity Advantage file-we are fine here - Seller-07/XX/2025 <br>Open-The loan's (12.475%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan meets HPML guidelines. Finding resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. 329. An interior and exterior appraisal was completed for this property – see Pg. 20, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 45 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved - Due Diligence Vendor-07/14/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916409 |  |  | Closed | 2025-07-10 17:27 | 2025-07-14 14:59 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Open-A revised Loan Estimate was provided on XXXX) via (Other). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XXXX). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Revised LE signed on XXXX- we are fine here - Seller-07/XX/2025 <br> Open-A revised Loan Estimate was provided on (XXXX) via (XXXX). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XXXX). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-. - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916409 |  |  | Closed | 2025-07-03 11:14 | 2025-07-14 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 business days from closing provided hence resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 business days of closing<br> - Due Diligence Vendor-07/XX/2025 | Resolved-Requested 3rd Party VOE that is within the 10 business days from closing provided hence resolved. - Due Diligence Vendor-07/14/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916409 |  |  | Closed | 2025-07-03 12:23 | 2025-07-14 09:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Initial Closing Disclosure uploaded, Appraisal fees that increased were paid before closing, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Appraisal fees that increased were paid before closing - Seller-07/XX/2025 <br>Open-Lender Credit increased from Last LE amount $0 to Final CD amount$565, there is no COC in the file - Due Diligence Vendor-07/XX/2025 | Resolved-Initial Closing Disclosure uploaded, Appraisal fees that increased were paid before closing, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916409 |  |  | Closed | 2025-07-03 12:20 | 2025-07-14 09:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in the file. - Due Diligence Vendor-07/XX/2025 | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916409 |  |  | Closed | 2025-07-10 17:27 | 2025-07-14 09:13 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved- - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Initial CD was signed on XXXX-we are fine - Buyer-07/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved- - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 12:07 | 2025-07-22 20:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Photo ID is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. id ATTACHED. - Seller-07/XX/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower 1 Photo Identification Missing. Valid photo identification required per guidelines. - Due Diligence Vendor-07/XX/2025 | Resolved-Photo ID is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-21 07:46 | 2025-07-22 20:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/XX/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/XX/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/22/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 11:50 | 2025-07-22 20:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025 <br>Resolved-UDM Provided, Resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. UDM attached - Seller-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower Gap Credit Report is Missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/22/2025 <br>Resolved-UDM Provided, Resolved. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 11:28 | 2025-07-21 21:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd party VOE is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. XXXX VOE attached - Seller-07/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-07/XX/2025 | Resolved-3rd party VOE is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 11:28 | 2025-07-21 21:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-pay stubs is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Capogreco paystubs attached - Seller-07/XX/2025 <br>Open-Borrower 1 Paystubs Missing Under 1003 borrower provided wage income and unable to verify the income due to paystubs are missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-pay stubs is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 11:28 | 2025-07-21 21:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. XXXX UW income wrk sht attached - Buyer-07/XX/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculator is Missing in file, as loan type is FULL DOC we need income calculator. - Due Diligence Vendor-07/XX/2025 | Resolved-Income Worksheet is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-10 20:09 | 2025-07-21 21:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-All income documentation is provided in Findings: XXXX INCOME VOE.PDF including WVOE, paystubs, and XXXX W2's. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. income documentation attached. - Buyer-07/XX/2025 <br> Open-All of the income verification information is missing (i.e. WVOE, VVOE, paystubs, W2, etc.). - Due Diligence Vendor-07/XX/2025 | Resolved-All income documentation is provided in Findings: XXXX INCOME VOE.PDF including WVOE, paystubs, and XXXX W2's. Resolved. - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-10 20:15 | 2025-07-21 21:01 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-ClearCapital Standard PCI – Property Condition Inspection provided in Findings: XXXX.PDF. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. XXXX attached - Seller-07/XX/2025 <br> Open-The Property Condition Report is missing and only a one-page AVM was provided. For loan amounts ≤ $XXXX, one of: ▪ AVM (see requirements below) + Property Condition Report (or) Full interior appraisal (XXXX Mae Form 1004, 1073 or 1025. - Due Diligence Vendor-07/XX/2025 | Resolved-XXXX – Property Condition Inspection provided in Findings: XXXX.PDF. Resolved. - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-10 22:26 | 2025-07-21 20:47 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 12:31 | 2025-07-21 20:46 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed provided in Findings: XXXX INTENT TO PROCEED.PDF. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Capogreco intent to proceed attached - Seller-07/XX/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. The Intent to Proceed document is missing. - Due Diligence Vendor-07/XX/2025 | Resolved-Intent to Proceed provided in Findings: XXXX INTENT TO PROCEED.PDF. Resolved. - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 12:51 | 2025-07-21 11:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Le Missing in file, Document provided Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. LE attached. - Buyer-07/XX/2025 <br>Open-The Initial LE is missing, along with any Revised LE's / COC's if applicable. Compliance will be run upon receipt. - Due Diligence Vendor-07/XX/2025 | Resolved-Initial Le Missing in file, Document provided Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 12:30 | 2025-07-21 11:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right of recission is Missing, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Capogreco right to cancel attached - Seller-07/XX/2025 <br>Open-Right of Rescission is Missing The Right of Rescission document is missing. - Due Diligence Vendor-07/XX/2025 | Resolved-Right of recission is Missing, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 11:01 | 2025-07-21 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Photo ID is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. ID attached. - Seller-07/XX/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Borrower Citizenship Documentation Is Missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Photo ID is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916410 |  |  | Closed | 2025-07-03 11:09 | 2025-07-21 07:48 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Capogreco 1008 attached - Buyer-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. The 1008 document is missing. - Due Diligence Vendor-07/XX/2025 | Resolved-1008 is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916380 |  |  | Closed | 2025-07-03 19:50 | 2025-07-21 22:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (11.251%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1st lien is escrowed. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 329. An interior and exterior appraisal was completed for this property – see pg 16, per the other considerations section of Initial LE issued within 3 business days from the application date, appraisal waiver is on page 14 The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/21/2025 <br>Resolved-The loan's (11.251%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1st lien is escrowed. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 329. An interior and exterior appraisal was completed for this property – see pg 16, per the other considerations section of Initial LE issued within 3 business days from the application date, appraisal waiver is on page 14 The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-07/03/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916407 |  |  | Closed | 2025-07-10 16:21 | 2025-07-11 17:43 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception. Borrower has an individual policy that provides full coverage of the property. - Buyer-07/XX/2025 <br> Open-The subject property is a XXXX. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/11/2025<br>|  |  | XXXX FICO<br> >XXXX residual income, min is $1,500<br> Borrower has an individual policy that provides full coverage of the property. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916395 |  |  | Closed | 2025-07-03 17:50 | 2025-07-18 13:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-intent to proceed provided in findings - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-07/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing in the file. - Due Diligence Vendor-07/XX/2025 | Resolved-intent to proceed provided in findings - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916396 |  |  | Closed | 2025-07-07 05:25 | 2025-07-26 13:57 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved- - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. The Seller response has been uploaded for review. I wasn't sure how to respond. - Buyer-07/XX/2025 <br> Counter-Provide legal support that reference XXXX filed notice of settlement 2 fee is not a finance charge. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Seller response uploaded for review. - Buyer-07/XX/2025 <br> Open-The loan fees ($2,266.00) exceed the (NJ_DP) High Cost fee limit, which is (XXXX), the difference is ($29.77) XXXX filed notice of settlement 2 iao $30 is included in XXXX fee testing per audit. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved- - Due Diligence Vendor-07/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916396 |  |  | Closed | 2025-07-07 03:36 | 2025-07-22 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document provided. Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Title Commitment uploaded for review. - Buyer-07/XX/2025 <br>Open-Title Document is missing Missing title. - Due Diligence Vendor-07/XX/2025 | Resolved-Title Document provided. Resolved - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916396 |  |  | Closed | 2025-07-07 03:26 | 2025-07-14 11:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested Updated Final 1003 Provided with updated address on Section 3 hence resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Updated 1003 uploaded for review. - Seller-07/XX/2025 <br>Open-The Final 1003 is Incomplete Subject property is not listed in section 3 of final 1003. - Due Diligence Vendor-07/XX/2025 | Resolved-Requested Updated Final 1003 Provided with updated address on Section 3 hence resolved. - Due Diligence Vendor-07/14/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916392 |  |  | Closed | 2025-07-07 07:21 | 2025-07-18 13:42 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Lender provided attestation indicating the HOA pay history and verification is from HOA. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents Provide LOX or verification of monthly HOA fee as per HOA Payment history, page 392, monthly HOA dues appear to be XXXX but appraisal reflects as XXXX. Subject to addition conditions. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided attestation indicating the HOA pay history and verification is from HOA. Condition resolved. - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916392 |  |  | Closed | 2025-07-11 18:30 | 2025-07-15 22:23 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX approves exception. Borrower has an individual policy that provides full coverage of the property. - Buyer-07/XX/2025 <br> Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/15/2025<br>|  |  | XXXX residual income, min is $1,500<br> XXXX FICO | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916387 |  |  | Closed | 2025-07-07 12:55 | 2025-07-21 08:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statement & Note Previous provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. uploaded - Buyer-07/XX/2025 <br>Open-Missing legal documents for senior or subordinate lien<br> - Due Diligence Vendor-07/XX/2025 | Resolved-Mortgage Statement & Note Previous provided. - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916387 |  |  | Closed | 2025-07-07 10:02 | 2025-07-17 07:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report is missing: Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing from file. - Due Diligence Vendor-07/XX/2025 | Resolved-Gap Credit Report is missing: Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916376 |  |  | Closed | 2025-07-08 05:58 | 2025-07-24 18:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. XXXX approves exception - see lock confirmation - uw exception - Buyer-07/XX/2025 <br> Counter-. - Due Diligence Vendor-07/XX/2025 <br> Counter-Lender acknowledged Borrower 1 is the primary wager earner with a XXXX median score used. Condition unresolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-guidlines : XXXX. - Seller-07/XX/2025 <br> Open-Audited FICO of XXXX is less than Guideline FICO of XXXX Fico of XXXX is less than the Guidelines fico of XXXX, Borrower has mid credit score XXXX and Co-Borrower has a mid credit score XXXX, borrower has highest income hence qualifying fico is XXXX. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/24/2025<br>| XXXX |  | 0x30 Mtg pay history for over 48 months. Min 0x30x12.<br> $XXXX residual income, min is $1,500 | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916376 |  |  | Closed | 2025-07-08 07:19 | 2025-07-21 13:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Lender provided Rate lock agreement matching discount fee disclosure. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-07/XX/2025 <br>Open-Provide evidence of the undiscounted rate. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided Rate lock agreement matching discount fee disclosure. Condition resolved. - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916376 |  |  | Closed | 2025-07-14 22:02 | 2025-07-16 17:39 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Unable to Resolve-Exception Approved - Due Diligence Vendor-07/XX/2025 <br>Unable to Resolve-Unable to Resolve-XXXX approves exception. Borrower has an individual policy that provides full coverage of the property. - Seller-07/XX/2025 <br>Ready for Review-XXXX approves exception. Borrower has an individual policy that provides full coverage of the property. - Seller-07/XX/2025 <br>Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per 12.2.1. - Due Diligence Vendor-07/XX/2025 | Waived-Unable to Resolve-Exception Approved - Due Diligence Vendor-07/16/2025<br>|  |  | XXXX Residual Income, min is $1,500<br> Borrower has an individual policy that provides full coverage of the property. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916376 |  |  | Closed | 2025-07-08 07:08 | 2025-07-14 22:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.042%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #449, An interior and exterior appraisal was completed for this property – see pg. #26, Final CD is on page #217 the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower in file page #23, 549. The loan Meets HPML guideline, resolved - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.042%) APR equals or exceeds the Federal HPML threshold of (10.3%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg #449, An interior and exterior appraisal was completed for this property – see pg. #26, Final CD is on page #217 the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower in file page #23, 549. The loan Meets HPML guideline, resolved - Due Diligence Vendor-07/08/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916490 |  |  | Closed | 2025-07-21 11:22 | 2025-07-24 18:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.949%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 75 An interior and exterior appraisal was completed for this property – see pg 23-63, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 21-22, and copy of the appraisal was given to the borrower – see Pg#'s 64 for the copy of the disclosure. Requirements of HPML have been met. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.949%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 75 An interior and exterior appraisal was completed for this property – see pg 23-63, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 21-22, and copy of the appraisal was given to the borrower – see Pg#'s 64 for the copy of the disclosure. Requirements of HPML have been met. - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940508 |  |  | Closed | 2025-07-21 06:23 | 2025-08-15 13:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Lender provided SSA-1099 form, resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-1099 - Due Diligence Vendor-08/XX/2025 <br>Counter-Page 43 states If SSI is used to qualify the Borrower, document a history of regular receipt and the probability of 3 years continuance. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-UPDTED GUIDELINES - Due Diligence Vendor-07/XX/2025 <br>Open-As per GL's for Social Security Income All pages of the most recent bank statement showing proof of current receipt is required, Missing in File - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided XXXX-1099 form, resolved. - Due Diligence Vendor-08/15/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940508 |  |  | Closed | 2025-07-24 19:44 | 2025-07-31 01:48 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender approval provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-CTC - Due Diligence Vendor-07/XX/2025 <br>Open-Missing Lender Approval Form - Due Diligence Vendor-07/XX/2025 | Resolved-Lender approval provided. - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916467 |  |  | Closed | 2025-07-11 03:20 | 2025-07-14 18:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.535%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are meTRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver Confirmed from the Final Closing disclosure on Pg#87. Rate lock date was entered correctly see Pg#'s 244 An interior and exterior appraisal was completed for this property – see pg no 25, 42-46 the appraisal disclosure was provided to the borrower(s)- see Pg#'23, 42, 287and copy of the appraisal was given to the borrower see Pg 23, 42, 287for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.535%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are meTRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver Confirmed from the Final Closing disclosure on Pg#87. Rate lock date was entered correctly see Pg#'s 244 An interior and exterior appraisal was completed for this property – see pg no 25, 42-46 the appraisal disclosure was provided to the borrower(s)- see Pg#'23, 42, 287and copy of the appraisal was given to the borrower see Pg 23, 42, 287for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-07/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916465 |  |  | Closed | 2025-07-10 12:22 | 2025-07-22 21:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-XXXX approves exception. - Due Diligence Vendor-07/XX/2025 <br> Escalated-XXXX approves exception. - Buyer-07/XX/2025 <br> Escalated-Escalating for XXXX visibility - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-XXXX INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br> Open-Audited CLTV of 85% exceeds Guideline CLTV of 75% Audited CLTV exceeds guideline CLTV of 75. Sub prop is in CO, however qualifying FICO is under 700. Missing exception for loan approved with CLTV that exceeds GL max. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/22/2025<br>| XXXX |  | <45% DTI, Max is 50%<br> >XXXXK residual income, min is $1,500 | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916465 |  |  | Closed | 2025-07-10 13:13 | 2025-07-11 19:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.272%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 73, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 58 An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#' 319 and confirmation the appraisal was delivered to the borrower – see Pg#'21, 22. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.272%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 73, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 58 An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#' 319 and confirmation the appraisal was delivered to the borrower – see Pg#'21, 22. The loan meets HPML guidelines - Due Diligence Vendor-07/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916464 |  |  | Closed | 2025-07-10 15:47 | 2025-07-24 08:52 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico is Blank on 1008, provided Updated 1008 with Fico Score, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Under 1008 FICO score not reflecting, provide updated 1008 with lowest mid FICO score. - Due Diligence Vendor-07/XX/2025 | Resolved-Fico is Blank on 1008, provided Updated 1008 with Fico Score, changes made in system, Finding Resolved - Due Diligence Vendor-07/24/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916464 |  |  | Closed | 2025-07-10 17:05 | 2025-07-22 19:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Formal exception in loan file. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-XXXX INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br>Open-Audited DTI of 45.5% exceeds Guideline DTI of 45%. Lender acknowledged exception in file. - Due Diligence Vendor-07/XX/2025 | Waived-Formal exception in loan file. - Due Diligence Vendor-07/22/2025<br>| XXXX |  | XXXX FICO. 680 Min.<br> 73.49% CLTV. Max CLTV is 85%<br> Residual income $XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5916477 |  |  | Closed | 2025-07-10 10:01 | 2025-07-24 13:54 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Lender provided updated 1008. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is missing. Qualifying FICO 730. Provide updated 1008 document with Qualifying Fico. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated 1008. Condition resolved. - Due Diligence Vendor-07/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916477 |  |  | Closed | 2025-07-10 10:59 | 2025-07-15 16:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.794%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s118 and the Final Closing disclosure on Pg#'s 118, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s114 . An interior and exterior appraisal was completed for this property – see pg# 79, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 101, and confirmation the appraisal was delivered to the borrower – see Pg#'s 353, 458 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.794%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s118 and the Final Closing disclosure on Pg#'s 118, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s114 . An interior and exterior appraisal was completed for this property – see pg# 79, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 101, and confirmation the appraisal was delivered to the borrower – see Pg#'s 353, 458 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916393 |  |  | Closed | 2025-07-15 13:43 | 2025-07-17 23:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Fina 1003 with correct income provided. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-07/XX/2025 <br>Open-The Final 1003 is Missing Section 1b of the final 1003 provided has the incorrect qualifying income amount. - Due Diligence Vendor-07/XX/2025 | Resolved-The Final 1003 is Present - Fina 1003 with correct income provided. Resolved. - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916393 |  |  | Closed | 2025-07-10 11:06 | 2025-07-15 14:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.898%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 288 and the Final Closing disclosure on Pg#'s 288 Mortgage statement for first lien reflects escrows. Rate lock date was entered correctly – see Pg#'s 515 An interior and exterior appraisal was completed for this property – see pg 27-66 , the appraisal disclosure was provided to the borrower(s)- see Pg#'602 , and copy of the appraisal was given to the borrower – see Pg#'s 261 for delivery confirmation. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.898%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 288 and the Final Closing disclosure on Pg#'s 288 Mortgage statement for first lien reflects escrows. Rate lock date was entered correctly – see Pg#'s 515 An interior and exterior appraisal was completed for this property – see pg 27-66 , the appraisal disclosure was provided to the borrower(s)- see Pg#'602 , and copy of the appraisal was given to the borrower – see Pg#'s 261 for delivery confirmation. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916393 |  |  | Closed | 2025-07-10 11:06 | 2025-07-15 14:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Resolved-The loan's (10.898%) APR equals or exceeds the XXXX junior lien threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.93%).XXXX NC Rate spread<br> Per External Counsel Appropriate to Waive as a B Grade<br> 1. First lien has Escrow acct for T&I<br> 2. Borrower did not pay off a "special mortgage"<br> 3. Counseling Notice was issued within 3 business days of application<br> resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.898%) APR equals or exceeds the XXXX junior lien threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.93%).XXXX NC Rate spread<br> Per External Counsel Appropriate to Waive as a B Grade<br> 1. First lien has Escrow acct for T&I<br> 2. Borrower did not pay off a "special mortgage"<br> 3. Counseling Notice was issued within 3 business days of application<br> resolved<br> - Due Diligence Vendor-07/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907055 |  |  | Closed | 2025-07-09 06:51 | 2025-07-14 23:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.55%) APR equals or exceeds the Federal HPML threshold of (9.98%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.48%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 1205. An interior and exterior appraisal was completed for this property – see pg 280, the appraisal disclosure was provided to the borrower(s)- see Pg#'1163, and copy of the appraisal was given to the borrower – see Pg#'s 267 for delivery confirmation. The loan meets HPML guidelines. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.55%) APR equals or exceeds the Federal HPML threshold of (9.98%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.48%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 1205. An interior and exterior appraisal was completed for this property – see pg 280, the appraisal disclosure was provided to the borrower(s)- see Pg#'1163, and copy of the appraisal was given to the borrower – see Pg#'s 267 for delivery confirmation. The loan meets HPML guidelines. - Due Diligence Vendor-07/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916329 |  |  | Closed | 2025-07-15 20:32 | 2025-07-29 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/XX/2025 <br>Resolved-Lender provided updated fraud report. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Fraud Report Shows Uncleared Alerts High impact variances not showing cleared. - Due Diligence Vendor-07/XX/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/29/2025 <br>Resolved-Lender provided updated fraud report. Finding resolved. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916329 |  |  | Closed | 2025-07-15 20:07 | 2025-07-15 20:07 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Approved exception in file, p. 1456, to use bwr supplied XXXX W2 transcripts for XXXX. Transcripts match to XXXX W2 doc provided. Figure also corroborated by XXXX VOE with income and direct deposits in bank statements. Bwr appears to have received salary increase effective in April and shows on May paystubs. New base also reflected on TWN VOE. Finding waived. <br> - Due Diligence Vendor-07/XX/2025 | Waived-Approved exception in file, p. 1456, to use bwr supplied IRS W2 transcripts for XXXX. Transcripts match to XXXX W2 doc provided. Figure also corroborated by TWN VOE with income and direct deposits in bank statements. Bwr appears to have received salary increase effective in April and shows on May paystubs. New base also reflected on XXXX VOE. Finding waived. <br> - Due Diligence Vendor-07/15/2025 |  |  | Qualifying LTV is XXXX, GL LTV is 80<br> Qualifying DTI is XXXX, GL max DTI is 50% | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5916329 |  |  | Closed | 2025-07-10 12:36 | 2025-07-15 20:05 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception approved for subject property considered suburban per appraisal vs CFPB lookup tool indicating rural/underserved. Subject is on half acre lot in suburban setting with similar comps, most with .5 miles. No indication of mixed use or commercial farming on subject lot or in immediate subdivision. Subject is also minutes drive from town of XXXX with all major conveniences of suburban area. Exception is available on page 1456. Finding waived. - Due Diligence Vendor-07/XX/2025 | Waived-Exception approved for subject property considered suburban per appraisal vs CFPB lookup tool indicating rural/underserved. Subject is on half acre lot in suburban setting with similar comps, most with .5 miles. No indication of mixed use or commercial farming on subject lot or in immediate subdivision. Subject is also minutes drive from town of XXXX with all major conveniences of suburban area. Exception is available on page 1456. Finding waived. - Due Diligence Vendor-07/10/2025 |  |  | Qualifying LTV is 73.89%, GL LTV is 80<br> Qualifying DTI is 41.77, GL max DTI is 50% | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5916329 |  |  | Closed | 2025-07-10 11:04 | 2025-07-10 11:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.354%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __169__ and the Final Closing disclosure on Pg#'s _169___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __536___ An interior and exterior appraisal was completed for this property – see pg _22___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__22_ , and copy of the appraisal was given to the borrower – see Pg#'s __22___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.354%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __169__ and the Final Closing disclosure on Pg#'s _169___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __536___ An interior and exterior appraisal was completed for this property – see pg _22___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__22_ , and copy of the appraisal was given to the borrower – see Pg#'s __22___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916375 |  |  | Closed | 2025-07-09 11:03 | 2025-07-15 15:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.411%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#205 and the Final Closing disclosure on Pg#96. Confirmed first lien is escrowed. Rate lock date was entered correctly see Pg#'s 268 An interior and exterior appraisal was completed for this property – see pg no 70-73 the appraisal disclosure was provided to the borrower(s)- see Pg#'52,325 and copy of the appraisal was given to the borrower see Pg52, 325 for the copy of the disclosure and delivery confirmation. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.411%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver and loan information is on Pg#205 and the Final Closing disclosure on Pg#96. Confirmed first lien is escrowed. Rate lock date was entered correctly see Pg#'s 268 An interior and exterior appraisal was completed for this property – see pg no 70-73 the appraisal disclosure was provided to the borrower(s)- see Pg#'52,325 and copy of the appraisal was given to the borrower see Pg52, 325 for the copy of the disclosure and delivery confirmation. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/09/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916463 |  |  | Closed | 2025-07-11 03:35 | 2025-07-23 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated 1008. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-The 1008 document is missing from the loan file. Provided 1008 is not reflecting Amount of Subordinate Financing, Type of refinance/Loan Purpose, Fico. And First Mortgage P&I reflecting as XXXXwhereas per Mtg statement P&I is XXXX. Require updated 1008 with corrected details as mentioned. <br> - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated 1008. Condition resolved. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916463 |  |  | Closed | 2025-07-11 06:42 | 2025-07-15 18:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.749%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'80 <br> Rate lock date was entered correctly – see Pg#'s 76<br> An interior and exterior appraisal was completed for this property – see pg#27, <br> ECOA Appraisal Disclosure OR the LE's page as the page#396. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 23-24<br> The loan meets HPML Guidelines, resolved. <br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.749%) APR equals or exceeds the Federal HPML threshold of (10.15%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly. <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. <br> Final Closing disclosure on Pg#'80 <br> Rate lock date was entered correctly – see Pg#'s 76<br> An interior and exterior appraisal was completed for this property – see pg#27, <br> ECOA Appraisal Disclosure OR the LE's page as the page#396. <br> confirmation the appraisal was delivered to the borrower – see Pg#'s 23-24<br> The loan meets HPML Guidelines, resolved. <br> - Due Diligence Vendor-07/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961459 |  |  | Closed | 2025-07-11 11:45 | 2025-07-18 15:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided COC. Condition Resolved - Due Diligence Vendor-07/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). . - Due Diligence Vendor-07/XX/2025 <br> Open-. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). There is no COC for Lender Credits Increased from Revised LE to Initial CD. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided COC. Condition Resolved - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961459 |  |  | Closed | 2025-07-15 21:09 | 2025-07-18 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Lender provided Sr lien Note. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Senior lien is interest only, calculated qualifying payment @ loan amt of XXXX over XXXX yrs - Due Diligence Vendor-07/XX/2025 <br> Open-Provide 1st lien Note. Unable to validate 1st lien terms as required per XXXX guidelines 2.3 and 2.4. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided Sr lien Note. Condition resolved. - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961459 |  |  | Closed | 2025-07-11 10:22 | 2025-07-18 04:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-This a UDN report. It is based on end report date 6/XX/25 and not ordered date 6-11 - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-07/18/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916398 |  |  | Closed | 2025-07-11 07:20 | 2025-07-21 20:49 | Acknowledged | 2 - Non-Material C B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Acknowledged-Per external counsel, appropriate to acknowledge to a B. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-So long as a XXXX does not violate any Federal Laws, then there is no legal consequence in originating or purchasing a XXXX. - Buyer-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-The loan's (12.986%) APR equals or exceeds the XXXX junior lien threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.92%).XXXX The loan's (12.986%) APR equals or exceeds the XXXX junior lien threshold of (10.42%) - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Acknowledged-Per external counsel, appropriate to acknowledge to a B. - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | Investor Post-Close | No |
| XXXX | 5916398 |  |  | Closed | 2025-07-11 06:02 | 2025-07-16 09:13 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with correct FICO provided. Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. updated 1008 attached. - Buyer-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is 'XXXX and Qualifying FICO from the Credit Liabilities Page is 'XXXX, Fico Matches with 1008 when using qualifying Fico as Highest mid score all borrowers, But per GL's Need to Select Primary Wage earner, Selected the same, Hence Fico mis matches - Due Diligence Vendor-07/XX/2025 | Resolved-Updated 1008 with correct FICO provided. Resolved - Due Diligence Vendor-07/16/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5916398 |  |  | Closed | 2025-07-11 07:20 | 2025-07-11 07:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.986%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'140<br> Rate lock date was entered correctly – see Pg#'s 380<br> An interior and exterior appraisal was completed for this property – see pg#96-104,<br> ECOA Appraisal Disclosure OR the LE's page as the page#364<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 82<br> The loan meets HPML Guidelines, resolved - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.986%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'140<br> Rate lock date was entered correctly – see Pg#'s 380<br> An interior and exterior appraisal was completed for this property – see pg#96-104,<br> ECOA Appraisal Disclosure OR the LE's page as the page#364<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 82<br> The loan meets HPML Guidelines, resolved - Due Diligence Vendor-07/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5916394 |  |  | Closed | 2025-07-16 21:18 | 2025-07-29 20:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided LOE confirming ITP date is 6/9, used Date creditor received as application date. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Per lox from lender borrower did not agree to initial terms provided. disclosure tracking provided for reference - Buyer-07/XX/2025 <br> Counter-Document Uploaded. Provided ITP is dated 6/9 however LO signed date is XXXX. Finding countered. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed in file date is not within 3 business days of application date of XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided LOE confirming ITP date is XXXX, used Date creditor received as application date. Finding resolved. - Due Diligence Vendor-07/29/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916394 |  |  | Closed | 2025-07-10 13:03 | 2025-07-10 13:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.376%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 235 and the Final Closing disclosure on Pg#'s 79, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 336. An interior and exterior appraisal was completed for this property – see pg 44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25, and confirmation the appraisal was delivered to the borrower – see Pg#'s 25. The loan meets HPML guidelines, resolved - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.376%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 235 and the Final Closing disclosure on Pg#'s 79, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 336. An interior and exterior appraisal was completed for this property – see pg 44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25, and confirmation the appraisal was delivered to the borrower – see Pg#'s 25. The loan meets HPML guidelines, resolved - Due Diligence Vendor-07/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916501 |  |  | Closed | 2025-07-18 05:33 | 2025-07-25 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Fico Missing on 1008, provided Updated 1008, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. Loan Purpose, Lien Position and FICO not completed in 1008. Provide updated document - Due Diligence Vendor-07/XX/2025 | Resolved-Fico Missing on 1008, provided Updated 1008, Changes made in system, Finding Resolved - Due Diligence Vendor-07/25/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916500 |  |  | Closed | 2025-07-18 10:35 | 2025-08-01 06:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower another Bi-Weekly Paystub Provided. Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-PAYSTUB - Due Diligence Vendor-07/XX/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided Provided paystubs is less than a month. As per G/ls dated XXXX, paystubs require Gross earnings covering the most recent 30-day period. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower another Bi-Weekly Paystub Provided. Resolved - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916500 |  |  | Closed | 2025-07-18 08:45 | 2025-07-30 16:25 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated 1008 with credit score. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. Provided 1008 is not reflecting Amount of Subordinate Financing (Loan is 2nd lien), and FICO is missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated 1008 with credit score. Condition resolved. - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916499 |  |  | Closed | 2025-07-24 14:49 | 2025-07-28 21:13 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan approval provided, resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-CTC - Due Diligence Vendor-07/XX/2025 <br>Open-Missing Lender Approval Form - Due Diligence Vendor-07/XX/2025 | Resolved-Loan approval provided, resolved. - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916499 |  |  | Closed | 2025-07-20 06:33 | 2025-07-28 06:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Property Report can be used as Title document in XXXX loans, Considered the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-LOAN AMT DOES NOT REQUIRE FULL TITLE COMMITMENT. WE ACCEPT PROPERTY REPORTS AND THE REPORT PROVIDED DOES HAVE AN EFFECTIVE DATE - Due Diligence Vendor-07/XX/2025 <br>Open-Title Document is Incomplete Title commitment provided is missing effective date and coverage amount . - Due Diligence Vendor-07/XX/2025 | Resolved-Property Report can be used as Title document in XXXX loans, Considered the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-07/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916498 |  |  | Closed | 2025-07-18 05:30 | 2025-07-28 13:07 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-PROC CERT ADDRESSING ALERTS - Due Diligence Vendor-07/XX/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared HIgh alerts and per GL page 20 version 05/XX/2024 - Due Diligence Vendor-07/XX/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916498 |  |  | Closed | 2025-07-24 15:02 | 2025-07-28 13:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-rate lock - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916515 |  |  | Closed | 2025-07-21 02:25 | 2025-07-31 12:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Disclosure tracking for initial Cd provided - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-XXXX INITIAL CD AUDIT LOG - Due Diligence Vendor-07/XX/2025 <br> Counter-Provided disclosure tracking is for loan estimate XXXX. Missing disclosure tracking for initial Cd or signed initial Cd in file - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-INITIAL CD AUDIT LOG - Due Diligence Vendor-07/XX/2025 <br> Open-TRID: Missing Closing Disclosure Borrower not signed to the initial CD and there is no proof sent electrically. - Due Diligence Vendor-07/XX/2025 | Resolved-Disclosure tracking for initial Cd provided - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916515 |  |  | Closed | 2025-07-24 17:42 | 2025-07-28 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-We have a WVOE with all years reporting - we should not need the W2 - this is in lieu of it - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 W2/1099 Missing Per guidelines on page 40 version 5/XX/24 guidelines- W-2s for the most recent 2 years is missing in file - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-07/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916515 |  |  | Closed | 2025-07-24 16:26 | 2025-07-28 13:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-LOCK CONF - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916515 |  |  | Closed | 2025-07-18 10:14 | 2025-07-28 06:58 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 has no fico score, provided updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. Loan purpose and Qualified credit score information is missing - Due Diligence Vendor-07/XX/2025 | Resolved-1008 has no fico score, provided updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940520 |  |  | Closed | 2025-07-21 09:37 | 2025-08-06 22:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Escalated-XXXX approves exception - Buyer-08/XX/2025 <br> Escalated-Escalating for XXXX visibility<br> - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | XXXX FICO. 700 Min.<br> 0x30 Mtg pay history for over 38 months. Min 0x30 within the past 12 months<br> 32% DTI<br> $XXXX residual income | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940520 |  |  | Closed | 2025-07-21 11:32 | 2025-07-31 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Upon further review, B1 income supported with paystubs and 2 years W2s for XXXX or XXXX is sufficient in place of WVOE. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-XXXX- Due Diligence Vendor-07/XX/2025 <br> Counter-B1 WVOE from 2nd employer,XXXX, in file. Condition unresolved for missing B1 WVOE primary employer, XXXX.. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-PLS ADVISE WHY AKA FOR NOT SUFFICIENT. THANKS - Due Diligence Vendor-07/XX/2025 <br> Counter-Lender provided evidence indicating XXXX is affiliated with XXXX. Condition unresolved for missing B1 WVOE for XXXX. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-AKA - Due Diligence Vendor-07/XX/2025 <br> Open-Borrower 1 WVOE Missing Borrower 1 is getting income from XXXX however there is no WVOE or Paystubs. - Due Diligence Vendor-07/XX/2025 | Resolved-Upon further review, B1 income supported with paystubs and 2 years W2s for XXXX or XXXX is sufficient in place of WVOE. Condition resolved. - Due Diligence Vendor-07/31/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940520 |  |  | Closed | 2025-07-24 16:02 | 2025-07-28 14:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Lender provided evidence indicating XXXX is affiliated with XXXX. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-AKA - Due Diligence Vendor-07/XX/2025 <br> Open-Income and Employment Do Not Meet Guidelines Provide LOX for variance in company name from B1&B2 paystubs and W2s indicating XXXX but WVOE, VVOE and 1003 state employment name as XXXX.<br> - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided evidence indicating XXXX is affiliated with XXXX. Condition resolved. - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940520 |  |  | Closed | 2025-07-21 11:32 | 2025-07-25 10:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver not needed for 2nd lien files. Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-PLS WAIVE. WE DO NOT ESCROW ON 2NDS - Due Diligence Vendor-07/XX/2025 <br>Open-Escrow Waiver is Missing in the file . Provide Escrow waiver - Due Diligence Vendor-07/XX/2025 | Resolved-Escrow waiver not needed for 2nd lien files. Resolved - Due Diligence Vendor-07/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940520 |  |  | Closed | 2025-07-21 10:16 | 2025-07-24 16:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.793%) APR equals or exceeds the Federal HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 86 reflects escrows. Rate lock date was entered correctly see Pg# 280 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg# 19, and copy of the appraisal was given to the borrower see Pg# 20 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.793%) APR equals or exceeds the Federal HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 86 reflects escrows. Rate lock date was entered correctly see Pg# 280 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg# 19, and copy of the appraisal was given to the borrower see Pg# 20 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916502 |  |  | Closed | 2025-07-22 03:54 | 2025-07-25 12:40 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 58 reflects escrows. Rate lock date was entered correctly see Pg#57, Findings. An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg# 11, and copy of the appraisal was given to the borrower see Pg# 17 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br>Open-The loan's (10.365%) APR equals or exceeds the Federal HPML threshold of (9.59%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.09%).(12 CFR 1026.35(a)(1)(iii)) Rate lock is missing in file<br>TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 58 reflects escrows. Rate lock date was entered correctly see Pg#57 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg# 11, and copy of the appraisal was given to the borrower see Pg# 17 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 58 reflects escrows. Rate lock date was entered correctly see Pg#57, Findings. An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg# 11, and copy of the appraisal was given to the borrower see Pg# 17 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916502 |  |  | Closed | 2025-07-21 15:48 | 2025-07-25 08:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-INCOME CALCS - Due Diligence Vendor-07/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income worksheet is missing in the file. - Due Diligence Vendor-07/XX/2025 | Resolved-Income Worksheet Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/25/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916502 |  |  | Closed | 2025-07-22 04:37 | 2025-07-24 07:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Finding added for escrow Waiver is Missing in file, We don't require escrow Waiver Document for Second Lien Loans, we can verify from Final Cd, Hence Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-WE DO NOT ESCROW ON 2NDS SO WE DO NOT GET AN ESCROW WAIVER - Due Diligence Vendor-07/XX/2025 <br>Open-Escrow Waiver is missing in the file .Please provide - Due Diligence Vendor-07/XX/2025 | Resolved-Finding added for escrow Waiver is Missing in file, We don't require escrow Waiver Document for Second Lien Loans, we can verify from Final Cd, Hence Finding Resolved - Due Diligence Vendor-07/24/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916502 |  |  | Closed | 2025-07-23 17:06 | 2025-07-24 07:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-LOCK CONF - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940521 |  |  | Closed | 2025-07-21 13:25 | 2025-08-06 14:59 | Acknowledged | 2 - Non-Material C B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Acknowledged-XXXX Acknowledges. - Due Diligence Vendor-08/XX/2025 <br>Open-Per external counsel appropriate to acknowledge as a B grade - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-UPDATED NOTE - Due Diligence Vendor-08/XX/2025 <br>Open-The loan's (10.747%) APR equals or exceeds the XXXX junior lien threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.87%).XXXX Per external counsel appropriate to waive as a B Grade - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Acknowledged-XXXX Acknowledges. - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940521 |  |  | Closed | 2025-07-21 13:25 | 2025-08-06 12:39 | Resolved | 1 - Information C A | Compliance | Late:Amount | North Carolina - Maximum Late Fee | Resolved-Updated note provided - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-UPDATED NOTE - Due Diligence Vendor-08/XX/2025 <br> Open-The ($22.63) late fee amount or (5.0%) late fee percent exceeds 4% of the amount in default. The XXXX prohibit a late fee exceeding 4% of the amount of the late payment in a closed end loan less than $XX. XXXX Late fee is getting $22.63 with late charge 5% from note exceeding maximum late fee for NC - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Updated note provided - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940521 |  |  | Closed | 2025-07-21 13:25 | 2025-08-06 12:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved- re-ran Mavent - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (10.747%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 79 and the Final Closing disclosure on Pg# 79 reflects escrows. Rate lock date was entered correctly see Pg.'s 256 An interior and exterior appraisal was completed for this property – see pg. 23 the appraisal disclosure was provided to the borrower(s)- see Pg#'23 and copy of the appraisal was given to the borrower see Pg# 23 for the copy of the disclosure, ECOA disclosure page no #255. The loan meets HPML guidelines." <br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved- re-ran Mavent - Due Diligence Vendor-08/06/2025 <br>Resolved-The loan's (10.747%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 79 and the Final Closing disclosure on Pg# 79 reflects escrows. Rate lock date was entered correctly see Pg.'s 256 An interior and exterior appraisal was completed for this property – see pg. 23 the appraisal disclosure was provided to the borrower(s)- see Pg#'23 and copy of the appraisal was given to the borrower see Pg# 23 for the copy of the disclosure, ECOA disclosure page no #255. The loan meets HPML guidelines." <br> - Due Diligence Vendor-07/21/2025<br>|  |  | 3 | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916488 |  |  | Closed | 2025-07-24 00:01 | 2025-07-25 12:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-LOCK CONF - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916488 |  |  | Closed | 2025-07-23 23:51 | 2025-07-25 12:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-1 Year of tax returns is allowed when borrower can document 5 years of self employment Sec of State on pg 76 formed in 2018 - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-GUIDELINE UPDATE - Due Diligence Vendor-07/XX/2025 <br> Open-Per guidelines for self employment 2 years of personal tax returns are required. Borrower 2 provided XXXX tax returns missing XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-1 Year of tax returns is allowed when borrower can document 5 years of self employment Sec of State on pg 76 formed in XXXX - Due Diligence Vendor-07/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916491 |  |  | Closed | 2025-07-21 11:34 | 2025-07-23 19:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.482%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed the Final Closing disclosure on Pg#83. Rate lock date was entered correctly see Pg#'s 329 An interior and exterior appraisal was completed for this property – see pg no 28, 44-49 the appraisal disclosure was provided to the borrower(s)- see Pg# 27, 62, 387 and copy of the appraisal was given to the borrower see Pg 27, 262 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.482%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed the Final Closing disclosure on Pg#83. Rate lock date was entered correctly see Pg#'s 329 An interior and exterior appraisal was completed for this property – see pg no 28, 44-49 the appraisal disclosure was provided to the borrower(s)- see Pg# 27, 62, 387 and copy of the appraisal was given to the borrower see Pg 27, 262 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916493 |  |  | Closed | 2025-07-24 20:34 | 2025-07-28 21:16 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval provided, resolved. - Due Diligence Vendor-07/28/2025 <br>Ready for Review-ctc - Due Diligence Vendor-07/25/2025 <br>Open-Missing Lender Approval Form - Due Diligence Vendor-07/24/2025 | Resolved-Approval provided, resolved. - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916494 |  |  | Closed | 2025-07-23 21:18 | 2025-07-30 16:11 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Lender provided guideline matrix dated XXXX indicating XXXXproperties are allowed. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-XXXX MATRIX XXXX - Due Diligence Vendor-07/XX/2025 <br> Counter-Lender provided Matrix post close dated XXXX. Subject loan closed XXXX. Condition unresolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-MATRIX ALLOWING XXXX - Due Diligence Vendor-07/XX/2025 <br> Open-Loan does not conform to program guidelines Subject is located in CA, not allowed per XXXX matrix. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided guideline matrix dated XXXX indicating XXXX properties are allowed. Condition resolved. - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916494 |  |  | Closed | 2025-07-21 05:39 | 2025-07-28 07:43 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico mis match from 1008 to credit report, provided updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. FICO score is missing in 1008 - Due Diligence Vendor-07/XX/2025 | Resolved-Fico mis match from 1008 to credit report, provided updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940522 |  |  | Closed | 2025-07-23 21:23 | 2025-07-28 15:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-RATE LOCK - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940522 |  |  | Closed | 2025-07-21 10:58 | 2025-08-04 16:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-Resolved- reran mavent - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.422%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, loan information is on Pg#'s 231 and the Final Closing disclosure on Pg#'s 93, Rate lock date was entered correctly – see Pg#' 80. An exterior appraisal was completed for this property – see pg# 39 57, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 38, and confirmation the appraisal was delivered to the borrower – see Pg#'s 284. The loan meets HPML guidelines, resolved. Lien type is 2nd lien and taxes and insurance are escrowed with first lien.<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved - Due Diligence Vendor-08/04/2025 <br>Resolved-Resolved- reran mavent - Due Diligence Vendor-07/28/2025 <br>Resolved-The loan's (10.422%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, loan information is on Pg#'s 231 and the Final Closing disclosure on Pg#'s 93, Rate lock date was entered correctly – see Pg#' 80. An exterior appraisal was completed for this property – see pg# 39 57, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 38, and confirmation the appraisal was delivered to the borrower – see Pg#'s 284. The loan meets HPML guidelines, resolved. Lien type is 2nd lien and taxes and insurance are escrowed with first lien.<br> - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940516 |  |  | Closed | 2025-07-24 21:37 | 2025-08-06 22:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Escalated-XXXX approves exception - Buyer-08/XX/2025 <br>Escalated-Escalating for XXXX visibility - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br>Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% Per matrix Max 80 % CLTV – Max 75% CLTV if FICO < 700; CO properties only up to 85% CLTV for FICO's 700+<br>Audited CLTV exceeds CLTV max allowed for loan program per lender GLs - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | 0x30 54 mos mortgage history, 0x30 on all consumer debt, 28% HDTI / 39% DTI. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940516 |  |  | Closed | 2025-07-24 21:30 | 2025-07-28 20:28 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Conditional approval provided. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-CTC - Due Diligence Vendor-07/XX/2025 <br>Open-Missing Lender Approval Form - Due Diligence Vendor-07/XX/2025 | Resolved-Conditional approval provided. Resolved. - Due Diligence Vendor-07/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940516 |  |  | Closed | 2025-07-21 16:23 | 2025-07-24 21:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.45%) APR equals or exceeds the Federal HPML threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing for first lien, loan information is on Pg#'s 198 and the Final Closing disclosure on Pg#'s 53. Rate lock date was entered correctly – see Pg#'s 52. An interior and exterior appraisal was completed for this property – see pg#20 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 286, and confirmation the appraisal was delivered to the borrower – see Pg#'s 44. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.45%) APR equals or exceeds the Federal HPML threshold of (10.24%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.74%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing for first lien, loan information is on Pg#'s 198 and the Final Closing disclosure on Pg#'s 53. Rate lock date was entered correctly – see Pg#'s 52. An interior and exterior appraisal was completed for this property – see pg#20 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 286, and confirmation the appraisal was delivered to the borrower – see Pg#'s 44. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940511 |  |  | Closed | 2025-07-10 12:37 | 2025-08-12 21:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Escalated-XXXX approves exception - Seller-08/XX/2025 <br>Escalated-<br> Escalated for XXXX approval<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-internal exception approval - Due Diligence Vendor-07/XX/2025 <br>Open-Audited DTI of 46.69% exceeds Guideline DTI of 45% - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/12/2025<br>| XXXX |  | XXXX FICO,, $XXXX residual income, over 8 years 0x30 mtg history. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940511 |  |  | Closed | 2025-07-10 12:36 | 2025-07-29 13:57 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Lender provided rate lock. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. CONDITIONS. An interior and exterior appraisal was completed for this property – see Pg. 38 , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 75 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-PLS ADVISE WHAT YOU NEED DONE. THANKS - Due Diligence Vendor-07/XX/2025 <br>Open-The loan's (11.094%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided rate lock. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg. CONDITIONS. An interior and exterior appraisal was completed for this property – see Pg. 38 , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 75 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved - Due Diligence Vendor-07/29/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940511 |  |  | Closed | 2025-07-10 11:47 | 2025-07-24 08:56 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico is Blank on 1008, provided Updated 1008 with Fico Score, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per guidelines Considered Primary wage earner - Due Diligence Vendor-07/XX/2025 | Resolved-Fico is Blank on 1008, provided Updated 1008 with Fico Score, changes made in system, Finding Resolved - Due Diligence Vendor-07/24/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940511 |  |  | Closed | 2025-07-16 19:44 | 2025-07-23 13:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided rate lock. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-lock confirmation - Due Diligence Vendor-07/XX/2025 <br>Open-Evidence of Rate Lock Missing Provide evidence of Rate Lock. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided rate lock. Condition resolved. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940511 |  |  | Closed | 2025-07-10 11:22 | 2025-07-23 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-voes - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided. - Due Diligence Vendor-07/23/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916479 |  |  | Closed | 2025-07-16 16:26 | 2025-07-28 17:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Lender provided updated guidelines dated prior to subject closing date with 85% Max CLTV. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-No we dont need an exception on this one - FICO to go over 80% is XXXX and this one is XXXX - all good<br> - Due Diligence Vendor-07/XX/2025 <br> Open-Audited HLTV of 80.18% exceeds Guideline HCLTV of 80% Audited CLTV of 80.18% exceeds Guideline CLTV of 80% - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated guidelines dated prior to subject closing date with 85% Max CLTV. Condition resolved. - Due Diligence Vendor-07/28/2025<br>|  |  | XXXX FICO. 680 min. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916479 |  |  | Closed | 2025-07-16 16:26 | 2025-07-28 17:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Lender provided updated guidelines dated prior to subject closing date with 85% Max CLTV. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Audited CLTV of 80.05% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-No we dont need an exception on this one - FICO to go over 80% is 700 and this one is 774 - all good<br>- Due Diligence Vendor-07/XX/2025 <br>Open-Audited CLTV of 80.18% exceeds Guideline CLTV of 80% - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated guidelines dated prior to subject closing date with 85% Max CLTV. Condition resolved. - Due Diligence Vendor-07/28/2025 <br>Resolved-Audited CLTV of 80.05% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-07/28/2025<br>|  |  | XXXX FICO. 680 min. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916479 |  |  | Closed | 2025-07-10 14:24 | 2025-07-23 16:31 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Lender provided updated 1008. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is Missing, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' and also First mortgage PITI is reflecting on Mortgage statement and 1003 is XXXX but 1008 is reflecting $XXXX. Required Updated 1008. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated 1008. Condition resolved. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916479 |  |  | Closed | 2025-07-10 14:55 | 2025-07-16 16:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.717%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s103 and the Final Closing disclosure on Pg#'s 103, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 100. An interior and exterior appraisal was completed for this property – see pg# 44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 23, and confirmation the appraisal was delivered to the borrower – see Pg#'s 240. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.717%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s103 and the Final Closing disclosure on Pg#'s 103, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 100. An interior and exterior appraisal was completed for this property – see pg# 44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 23, and confirmation the appraisal was delivered to the borrower – see Pg#'s 240. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/10/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916383 |  |  | Closed | 2025-07-10 11:04 | 2025-07-22 14:18 | Resolved | 1 - Information C A | Compliance | Mavent | Interest: DaysInYear | Resolved-Resolved. Final CD provided. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. CD shows correct interim interest calculation of $18.51 - Buyer-07/XX/2025 <br> Open-The Interest Days in Year used to calculate the interest is (Periodic 360). The XXXX Consumer Protection Code requires 365 days used for the interest calculation. (S.C. Code Ann. 37-3-201(4)) State Based Condition, The Days in Year Number used to calculate the interim interest is 360 but The XXXX Consumer Protection Code requires 365 days, or 366 in a leap year, used for the interest calculation - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved. Final CD provided. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916383 |  |  | Closed | 2025-07-10 11:04 | 2025-07-22 14:10 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | South Carolina - Days Used For Interest Calculation | Resolved-Resolved. Final CD provided. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. CD shows correct interim interest calculation of $18.51 - Buyer-07/XX/2025 <br> Open-The Days in Year Number used to calculate the interim interest is (360.0). TheXXXX requires 365 days, or 366 in a leap year, used for the interest calculation. XXXX State Based Condition, The Days in Year Number used to calculate the interim interest is 360 but TheXXXX requires 365 days, or 366 in a leap year, used for the interest calculation - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved. Final CD provided. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916404 |  |  | Closed | 2025-07-11 04:38 | 2025-07-22 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. VOE uploaded for review. - Buyer-07/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/11/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916404 |  |  | Closed | 2025-07-11 08:44 | 2025-07-18 14:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Lender provided updated DOT with notary stamp. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-07/XX/2025 <br>Open-The Deed of Trust is Missing Notary Seal is missing in given DOT, provide updated DOT with notary seal. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated DOT with notary stamp. Finding resolved. - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916404 |  |  | Closed | 2025-07-11 09:03 | 2025-07-18 10:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Income incorrect on final 1003, Provided Updated Final 1003, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/XX/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Seller-07/XX/2025 <br> Open-The Final 1003 is Incomplete Income given on Final 1003 is $XXXX not matching with Final 1008 and Final loan approval given on page #391 as $XXXX, provide updated 1003 with correct income. - Due Diligence Vendor-07/XX/2025 | Resolved-Income incorrect on final 1003, Provided Updated Final 1003, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916404 |  |  | Closed | 2025-07-11 05:32 | 2025-07-11 08:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.905%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) Escrow waiver file - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.905%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) Escrow waiver file - Due Diligence Vendor-07/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916486 |  |  | Closed | 2025-07-11 08:04 | 2025-07-18 04:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator sheet provided. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Income WS - Due Diligence Vendor-07/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Bank Statement Summary Lender Worksheet / Income Calculator - Due Diligence Vendor-07/XX/2025 | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator sheet provided. - Due Diligence Vendor-07/18/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916378 |  |  | Closed | 2025-07-16 22:18 | 2025-07-24 01:05 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/XX/2025 <br>Resolved-Lender provided housing counselor list. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-07/XX/2025 <br>Open-Housing counselor list is missing from file. - Due Diligence Vendor-07/XX/2025 | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-07/24/2025 <br>Resolved-Lender provided housing counselor list. Finding resolved. - Due Diligence Vendor-07/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916378 |  |  | Closed | 2025-07-16 22:18 | 2025-07-24 01:05 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed intent to proceed. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-07/XX/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Loan is XXXX occupancy and intent to proceed is missing from file. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided fully executed intent to proceed. Finding resolved. - Due Diligence Vendor-07/24/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916438 |  |  | Closed | 2025-07-11 07:49 | 2025-07-30 16:00 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC for Origination fee increase. Condition Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-07/XX/2025 <br> Counter-Lender provided COC dated 5/XX/25 for Prepaid Property taxes, Discount points, and per diem interest. Condition unresolved for missing COC for Origination fee increase. The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). From Initial LE XXXX to Revised LE XXXX Loan origination fee increased $557 and From Initial CD XXXX to Final CD XXXX % of Loan Amount (Points) increased $153.50, there is no COC in file please provide COC or lender credits to cure this tolerance <br> - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided COC for Origination fee increase. Condition Resolved - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916438 |  |  | Closed | 2025-07-11 04:28 | 2025-07-25 10:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Note doc provided. Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-note - this was already in file - Due Diligence Vendor-07/XX/2025 <br>Open-The Note is Missing The Note document is Missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Note doc provided. Resolved - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940470 |  |  | Closed | 2025-07-11 12:06 | 2025-08-01 13:20 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided with disbursement date of XXXX - Due Diligence Vendor-08/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br> Ready for Review-But I provided a SS showing the later disbursement date. We are three days past when they signed.Why would this not clear? - Buyer-07/XX/2025 <br> Counter-PCCD was not provided. TRID documents were used to test compliance, - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Disbursement dates is showing XXXX - Buyer-07/XX/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Under Final CD we have loan disbursement date (XXXX) but borrower signed closing docs on XXXX, Right to Cancel Expire Date moved to (XXXX). - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-PCCD provided with disbursement date of XXXX - Due Diligence Vendor-08/01/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/01/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940512 |  |  | Closed | 2025-07-11 08:42 | 2025-08-12 21:54 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Flood Certificate Missing | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Escalated-XXXX approves exception for Flood cert being dated after closing. Property is not in a flood zone and the flood map is dated 2011. Comp Factors: XXXX FICO, XXXX mos reserves, 0x30 mtg history. - Seller-08/XX/2025 <br> Escalated-Escalating for XXXX visibility. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-PLEASE ESCALATE AS WE PULLED AFTER CLOSING. - Due Diligence Vendor-07/XX/2025 <br> Counter- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-PLEASE CLARIFY - Due Diligence Vendor-07/XX/2025 <br> Open-Missing Flood Certificate Flood Certification Date is greater than XXXX. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/12/2025<br>|  |  | XXXX FICO<br> XXXXmos reserves<br> XXXX mtg history. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940512 |  |  | Closed | 2025-07-17 17:03 | 2025-07-31 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Lender provided award letter from the Pension organization. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-retirement stmt. receiving since 2017 - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 W2/1099 Missing Provide most recent B1 award letter(s) from the Pension organization(s) providing the income OR most recent year 1099. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided award letter from the Pension organization. Condition resolved. - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940512 |  |  | Closed | 2025-07-17 17:49 | 2025-07-28 16:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Lender provided updated Matrix dated XXXX indicating max CLTV of 85%. Subject transaction was on XXXX. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-MATRIX - Due Diligence Vendor-07/XX/2025 <br> Open-Audited HLTV of 85% exceeds Guideline HCLTV of 80% - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated Matrix dated XXXX indicating max CLTV of 85%. Subject transaction was on XXXX. Condition resolved. - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940512 |  |  | Closed | 2025-07-17 17:49 | 2025-07-28 16:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-07/XX/2025 <br> Resolved-Lender provided updated Matrix dated XXXX indicating max CLTV of 85%. Subject transaction was on XXXX. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-MATRIX - Due Diligence Vendor-07/XX/2025 <br> Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% - Due Diligence Vendor-07/XX/2025 | Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-07/28/2025 <br> Resolved-Lender provided updated Matrix dated XXXX indicating max CLTV of 85%. Subject transaction was on XXXX. Condition resolved. - Due Diligence Vendor-07/28/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940512 |  |  | Closed | 2025-07-11 08:03 | 2025-07-11 08:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.799%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _79___ and the Final Closing disclosure on Pg#'s __79__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __240___ An interior and exterior appraisal was completed for this property – see pg _26___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__26_ , and copy of the appraisal was given to the borrower – see Pg#'s _26____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.799%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _79___ and the Final Closing disclosure on Pg#'s __79__ reflects escrows. Rate lock date was entered correctly – see Pg#'s __240___ An interior and exterior appraisal was completed for this property – see pg _26___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__26_ , and copy of the appraisal was given to the borrower – see Pg#'s _26____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961456 |  |  | Closed | 2025-07-11 06:26 | 2025-08-15 17:54 | Resolved | 1 - Information A | Compliance | Interest:DaysInYear | South Carolina - Days Used For Interest Calculation | Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Rescinded-$0 per diem charged. Laon disbursed XXXX. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Mary confirmed this will be waived - Due Diligence Vendor-07/XX/2025 <br> Open-Per review the 360-method was used to calculate interest for this loan. Per XXXX 365 day is required for interest calculation.<br> XXXX<br> (4) Except as provided in subsection (5), the term of a loan for purposes of this section commences on the day the loan is made. Any month may be counted as one-twelfth of a year but a day is counted as one-three hundred sixty-fifths of a year.<br>- Due Diligence Vendor-07/XX/2025 <br> Open-The Days in Year Number used to calculate the interim interest is (360.0). TheXXXX requires 365 days, or 366 in a leap year, used for the interest calculation. XXXX - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Rescinded-$0 per diem charged. Laon disbursed XXXX. - Due Diligence Vendor-07/24/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961456 |  |  | Closed | 2025-07-11 05:12 | 2025-07-21 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-voe - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Borrower 1 3rd Party VOE Prior to Close - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916508 |  |  | Closed | 2025-07-17 17:31 | 2025-07-21 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Previous DOT provided - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-DOT with no ARM rider - please use in lien of 1st XXXX note - Due Diligence Vendor-07/XX/2025 <br> Open-Previous note in file is for a different property address. Unable to verify if senior lien is eligible. - Due Diligence Vendor-07/XX/2025 | Resolved-Previous DOT provided - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916508 |  |  | Closed | 2025-07-17 17:32 | 2025-07-21 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-cpa - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 CPA Letter Missing Per guidelines a CPA letter is required for P&L - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916377 |  |  | Closed | 2025-07-11 11:29 | 2025-07-29 03:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Updated 1008 and 1003 have been provided confirming additional income not being used. DTI is within tolerance. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. The seller has sent in an updated 1003 and 1008 (uploaded) with the separate income removed. - Seller-07/XX/2025 <br> Ready for Review-The seller sent in the 82 pages of bank statements for this condition. All of which we appear to already have. From what I can tell, you are asking for documentation for the XXXX in personal income listed on the Final 1003. So I have requested that from the seller, but I also wanted to check and see if that was needed. If that XXXX was eliminated, would that take us above 50% DTI ? I'm just trying to find a solution to the income issue. (There was also an income worksheet uploaded from them that I hope will help). Thanks for your help on this. - Seller-07/XX/2025 <br> Open-Additional employer " Migel Jennings" income supporting document missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Updated 1008 and 1003 have been provided confirming additional income not being used. DTI is within tolerance. Finding resolved. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916377 |  |  | Closed | 2025-07-11 08:25 | 2025-07-25 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income Worksheet Provided. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Income Worksheet uploaded for review. - Buyer-07/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income Worksheet missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender income Worksheet Provided. - Due Diligence Vendor-07/25/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916377 |  |  | Closed | 2025-07-11 09:27 | 2025-07-25 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Fraud Report uploaded for review. - Buyer-07/XX/2025 <br>Open-Missing Third Party Fraud Report Fraud report missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916512 |  |  | Closed | 2025-07-17 20:02 | 2025-07-21 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-lock and locked LE - Due Diligence Vendor-07/XX/2025 <br>Open-Evidence of Rate Lock Missing Missing Evidence of Rate Lock - Due Diligence Vendor-07/XX/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916405 |  |  | Closed | 2025-07-11 15:21 | 2025-07-22 19:44 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Lender provided CA Per diem interest disclosure confirming borrower chose loan to be disbursed on XXXX, which is allowed. Finding resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Please review bottom of 2nd page. Borrower chooses this option. Condition can be cleared - Buyer-07/XX/2025 <br> Counter-Per PC CD in file, p. 519, disbursement date is XXXX, prepaid interest is beginning XXXX. Finding countered. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. CA interest disclosure uploaded for review - Buyer-07/XX/2025 <br> Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-4 unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code 2948.5) Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-4 unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided CA Per diem interest disclosure confirming borrower chose loan to be disbursed on XXXX, which is allowed. Finding resolved. - Due Diligence Vendor-07/22/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916405 |  |  | Closed | 2025-07-11 14:39 | 2025-07-22 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br>Open-Missing Third Party Fraud Report Third Party Fraud Report is missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940523 |  |  | Closed | 2025-07-14 05:47 | 2025-08-12 21:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Escalated-XXXX approves exception - Buyer-08/XX/2025 <br>Escalated-XXXX approves exception - Buyer-08/XX/2025 <br>Escalated-Escalated for XXXX approval - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-XXXX INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br>Open-Audited DTI of 49.76% exceeds Guideline DTI of 45% Audited DTI of 49.07% which exceeds the Guideline DTI of 45% - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/12/2025<br>| XXXX |  | XXXX FICO, 54 mos 0x30 mortgage history, 27 years in residence. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940515 |  |  | Closed | 2025-07-17 20:57 | 2025-08-04 15:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The DOT with the corrected county of XXXX provided in Findings: XX_1.PDF. Resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-corrected DOT - Due Diligence Vendor-07/XX/2025 <br> Open-The Deed of Trust is Missing The Security Deed, p 346, reflects the County as XXXX however the Legal Description reports the County as XXXX and the Appraisal reports the County as XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-The DOT with the corrected county of XXXX provided in Findings:XX.PDF. Resolved. - Due Diligence Vendor-08/04/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940515 |  |  | Closed | 2025-07-14 13:12 | 2025-07-23 08:10 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document with actual income comments provided. - Due Diligence Vendor-07/XX/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-1008 - Due Diligence Vendor-07/XX/2025 <br> Open-The 1008 document is missing from the loan file. Loan is qualified with business bank statements with the qualified income from the bank statements and bank statement income calculator is XXXX but the 1008 provided reflects income of $XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-1008 document with actual income comments provided. - Due Diligence Vendor-07/23/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940515 |  |  | Closed | 2025-07-14 13:07 | 2025-07-17 20:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.093%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow disclosures and loan information is on Pg#'s 231, 271 and the Final Closing disclosure on Pg#'s 152. Rate lock date was entered correctly – see Pg#'s 271. An interior and exterior appraisal was completed for this property – see pg# 31-62, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 324, and confirmation the appraisal was delivered to the borrower – see Pg#'s 135. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.093%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow disclosures and loan information is on Pg#'s 231, 271 and the Final Closing disclosure on Pg#'s 152. Rate lock date was entered correctly – see Pg#'s 271. An interior and exterior appraisal was completed for this property – see pg# 31-62, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 324, and confirmation the appraisal was delivered to the borrower – see Pg#'s 135. Requirements of HPML have been met. Resolved. - Due Diligence Vendor-07/14/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916507 |  |  | Closed | 2025-07-17 20:41 | 2025-07-21 13:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-title supplement - Due Diligence Vendor-07/XX/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount missing from policy provided. - Due Diligence Vendor-07/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916507 |  |  | Closed | 2025-07-14 06:38 | 2025-07-21 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-vvoe - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Borrower 1 3rd Party VOE Prior to Close - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940514 |  |  | Closed | 2025-07-14 09:21 | 2025-07-21 13:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form provided and updated to TRID header page. XXXX is passing, resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-COC form - Due Diligence Vendor-07/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Fired due to Loan discount point fee added to rate lock LE. Missing COC form. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-COC form provided and updated to TRID header page. XXXX is passing, resolved. - Due Diligence Vendor-07/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940514 |  |  | Closed | 2025-07-14 09:21 | 2025-07-23 20:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-HPML is allowed, not sure what is being asked - Due Diligence Vendor-07/XX/2025 <br> Resolved-x - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . First lien is escrowed. Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 12, and copy of the appraisal was given to the borrower – see Pg#'s 13 for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-07/23/2025 <br> Resolved-x - Due Diligence Vendor-07/21/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . First lien is escrowed. Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 12, and copy of the appraisal was given to the borrower – see Pg#'s 13 for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-07/14/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940514 |  |  | Closed | 2025-07-14 09:21 | 2025-07-23 20:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-HPML is allowed, not sure what is being asked - Due Diligence Vendor-07/XX/2025 <br>Resolved-x - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (11.415%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . First lien is escrowed. Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 12, and copy of the appraisal was given to the borrower – see Pg#'s 13 for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-07/23/2025 <br>Resolved-x - Due Diligence Vendor-07/21/2025 <br>Resolved-The loan's (11.415%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . First lien is escrowed. Rate lock date was entered correctly – see Pg#'s 221 An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 12, and copy of the appraisal was given to the borrower – see Pg#'s 13 for delivery confirmation. The loan meets HPML guidelines - Due Diligence Vendor-07/14/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916487 |  |  | Closed | 2025-07-17 18:13 | 2025-07-21 20:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-1003 provided in findings reflects legible ULI. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-1003 - Due Diligence Vendor-07/XX/2025 <br>Open-The Final 1003 is Incomplete The ULI at the top of the 1003 is not legible. - Due Diligence Vendor-07/XX/2025 | Resolved-1003 provided in findings reflects legible ULI. Resolved. - Due Diligence Vendor-07/21/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916487 |  |  | Closed | 2025-07-14 09:33 | 2025-07-21 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report (Undisclosed Debt Notification Report) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-UDN report ends 6/09 - this is within 10 days of closing. It is not based on ordered date - Due Diligence Vendor-07/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing B1 Gap Credit Report is Missing. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 Gap Credit Report (Undisclosed Debt Notification Report) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/21/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-07/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961460 |  |  | Closed | 2025-07-15 12:39 | 2025-08-29 14:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided PCD along with check and proof of delivery. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Pls see attached POST CD and refund check. - Due Diligence Vendor-08/XX/2025 <br> Counter-Lender requested cure amount. Per compliance review, the amount of cure should be $228.50. Condition unresolved. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-WHAT IS TOTAL AMOUNT NEEDED TO CURE? - Due Diligence Vendor-08/XX/2025 <br> Counter-Lender provided COC for lender credit change on 6/XX/25. Provide COC for Lender credit base change on 5/XX/25. Condition unresolved. - Due Diligence Vendor-08/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($21.00) were applied to the total fee variance of ($207.50) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-UPDATED COC - Due Diligence Vendor-08/XX/2025 <br> Counter-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($21.00) were applied to the total fee variance of ($228.50) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender provided COC indicating Lender credit changed from $0 to $21 in section J. However CD dated XXXX indicates $0 credit in section J. Provide corrected CD indicating lender credit for $21 in section J as indicated on COC. Condition unresolved. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED COC - Due Diligence Vendor-07/XX/2025 <br> Counter-Lender indicating disclosed credit is sufficient. However, file missing COC for lender credit decrease from -$198.50 (6/XX/25)to $0(6/XX/25). Condition unresolved. A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($21.00) were applied to the total fee variance of ($262.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Of the 10% Fees in both the Initial LE and Final CD (Abstract, Closing Fee, Recording) the total is $940 on the LE. Final CD has $XX which is exactly 10% ($XX) over the $XX disclosed so the cure (LC) of $21 on the Final CD is accurate. (aka - no additional cure required).<br> - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($21.00) were applied to the total fee variance of ($262.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Required COC for lender credit become '0' in final CD and also added lender value in section C - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided PCD along with check and proof of delivery. Condition resolved. - Due Diligence Vendor-08/29/2025 <br>Resolved- - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961460 |  |  | Closed | 2025-07-15 12:20 | 2025-08-29 14:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 94 reflects escrows. Rate lock date was entered correctly see Pg#266 An interior and exterior appraisal was completed for this property – see Page# 37 the appraisal disclosure was provided to the borrower(s)- see Pg# 36, and copy of the appraisal was given to the borrower see Pg# 37 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 94 reflects escrows. Rate lock date was entered correctly see Pg#266 An interior and exterior appraisal was completed for this property – see Page# 37 the appraisal disclosure was provided to the borrower(s)- see Pg# 36, and copy of the appraisal was given to the borrower see Pg# 37 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/15/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961460 |  |  | Closed | 2025-07-15 12:20 | 2025-08-29 14:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (10.392%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 94 reflects escrows. Rate lock date was entered correctly see Pg#266 An interior and exterior appraisal was completed for this property – see Page# 37 the appraisal disclosure was provided to the borrower(s)- see Pg# 36, and copy of the appraisal was given to the borrower see Pg# 37 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.392%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg# 94 reflects escrows. Rate lock date was entered correctly see Pg#266 An interior and exterior appraisal was completed for this property – see Page# 37 the appraisal disclosure was provided to the borrower(s)- see Pg# 36, and copy of the appraisal was given to the borrower see Pg# 37 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/15/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916386 |  |  | Closed | 2025-07-15 11:05 | 2025-07-23 11:54 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. ITP provided. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Buyer-07/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed is missing from the file. - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved. ITP provided. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916386 |  |  | Closed | 2025-07-15 06:53 | 2025-07-23 11:53 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Initial LE received. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Initial LE uploaded for review. - Seller-07/XX/2025 <br> Open-The Initial Loan Estimate Disclosure Date (XXXX) is more than 3 business days from the Application Date (2025-05-16). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) Provide Initial LE dated at time of application XXXX. <br> The Initial Loan Estimate Disclosure Date (XXXX) available on page no-273-275, which is more than 3 business days from the Application Date (XXXX) available on page no-544-551. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Initial LE received. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916386 |  |  | Closed | 2025-07-15 06:53 | 2025-07-23 11:53 | Resolved | 1 - Information C A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-SPL received. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Service Provider List uploaded for review. - Buyer-07/XX/2025 <br> Open-The List of Settlement Service Providers Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Provide SPL dated at time of application XXXX.<br> The List of Settlement Service Providers Disclosure Date(XXXX) available on page no-360 which is more than 3 business days from the Application Date (XXXX) available on page no-544-551. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-SPL received. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916386 |  |  | Closed | 2025-07-15 06:53 | 2025-07-23 11:53 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-HOC received. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Homeownership Counseling Dis uploaded for review. - Seller-07/XX/2025 <br> Open-The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Provide HOC disclosure. <br> The Homeownership Counseling Disclosure Sent Date (XXXX) available on page no-243-246 which is more than 3 business days from the Application Date XXXX) available on page no-544-551. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-HOC received. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916386 |  |  | Closed | 2025-07-15 10:44 | 2025-07-23 11:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Resolved-The loan's (11.374%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 108-112 __and the Final Closing disclosure on Pg#'s -103-107 reflects escrows. Rate lock date was entered correctly – see Pg#'s -287 An interior and exterior appraisal was completed for this property – see pg 14-51 the appraisal disclosure was provided to the borrower(s)- see Pg#'s14-51 and copy of the appraisal was given to the borrower – see Pg#'s14-51 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-The loan's (11.374%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 108-112 __and the Final Closing disclosure on Pg#'s -103-107 reflects escrows. Rate lock date was entered correctly – see Pg#'s -287 An interior and exterior appraisal was completed for this property – see pg 14-51 the appraisal disclosure was provided to the borrower(s)- see Pg#'s14-51 and copy of the appraisal was given to the borrower – see Pg#'s14-51 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/15/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916416 |  |  | Closed | 2025-07-15 07:08 | 2025-07-15 07:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.555%) APR equals or exceeds the Federal HPML threshold of (10.39%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 456. An interior and exterior appraisal was completed for this property – see pg 29 , the appraisal disclosure was provided to the borrower(s)- see Pg#'454, and copy of the appraisal was given to the borrower – see Pg#'s 16 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.555%) APR equals or exceeds the Federal HPML threshold of (10.39%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 456. An interior and exterior appraisal was completed for this property – see pg 29 , the appraisal disclosure was provided to the borrower(s)- see Pg#'454, and copy of the appraisal was given to the borrower – see Pg#'s 16 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/15/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916505 |  |  | Closed | 2025-07-15 06:56 | 2025-07-23 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/23/2025 <br>Ready for Review-voe - Due Diligence Vendor-07/22/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 3rd Party VOE Prior to Close Missing in file. - Due Diligence Vendor-07/15/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916505 |  |  | Closed | 2025-07-20 15:36 | 2025-07-23 13:00 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved- - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Business license is not needed. Borrower is an real estate investor - Due Diligence Vendor-07/22/2025 <br>Open-Per guidelines- 2 years active business license is required for P&L program - Due Diligence Vendor-07/20/2025 |  |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916505 |  |  | Closed | 2025-07-15 08:29 | 2025-07-23 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 with FICO score provided.<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-1008 - Due Diligence Vendor-07/XX/2025 <br>Open-The 1008 document is missing from the loan file. FICO Score is missing and loan approval was not provided unable to determine qualifying Fico used<br> - Due Diligence Vendor-07/XX/2025 | Resolved-Updated 1008 with FICO score provided.<br> - Due Diligence Vendor-07/23/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940519 |  |  | Closed | 2025-07-15 07:20 | 2025-08-06 22:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Escalated-XXXX approves exception - Buyer-08/XX/2025 <br>Escalated-Escalated for XXXX approval<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-XXXX INTERNAL EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br>Open-Audited DTI Exceeds Guideline DTI Max DTI is allow as per Guidelines 45% hence Condition Opened. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | XXXX FICO<br> 0x30 mtg history <br> sufficient reserves | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916461 |  |  | Closed | 2025-07-15 06:35 | 2025-07-28 08:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-As per GL's no Reserves required for Second lien, Changes made as per GL Requirement, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review- a second mortgage we should only need reserves if the DTI is over 45% and we need comp factors for it.<br> - Due Diligence Vendor-07/XX/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 3 month(s) Verified reserves are XXXX months, however as per matrix required 3 months, hence provide additional funds for reserves. - Due Diligence Vendor-07/XX/2025 | Resolved-As per GL's no Reserves required for Second lien, Changes made as per GL Requirement, Finding Resolved - Due Diligence Vendor-07/28/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916461 |  |  | Closed | 2025-07-15 05:41 | 2025-07-21 21:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-07/XX/2025 <br>Open-Title Document is missing Preliminary title document is missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Title Document is fully Present - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940518 |  |  | Closed | 2025-07-16 02:26 | 2025-08-06 22:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Escalated-XXXX approves exception - Buyer-08/XX/2025 <br> Escalated-Escalating for XXXX visibility<br> - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br> Open-Audited FICO of XXXX is less than Guideline FICO of 680 As per Matrix version XXXX, Audited FICO of XXXX is less than minimum Guideline requirement FICO of 680. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | XXXX mos reserves, $XXXX resdiual income, 29% HDTI, 13 years on job. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940518 |  |  | Closed | 2025-07-21 02:47 | 2025-08-06 22:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Escalated-XXXX approves exception - Seller-08/XX/2025 <br>Escalated-Escalating for XXXX visibility<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-EXCEPTION APPROVAL - Due Diligence Vendor-07/XX/2025 <br>Open-Audited HLTV of 85% exceeds Guideline HCLTV of 80% Per Matrix CO properties only up to 85% CLTV for FICO's 700+. Borrower's qualifying FICO is under 700. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | XXXX mos reserves, $XXXX residual income, 29% HDTI, 13 years on job. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940518 |  |  | Closed | 2025-07-16 03:07 | 2025-07-21 03:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.228%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing per first lien mortgage statement pg 243 and the Final Closing disclosure on Pg# 73 reflects escrows. Rate lock date was entered correctly see Pg.'s 6, 216 An interior and exterior appraisal was completed for this property – see pg. 25 the appraisal disclosure was provided to the borrower(s)- see Pg#'25 and copy of the appraisal was given to the borrower see Pg# 20 for delivery confirmation. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.228%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing per first lien mortgage statement pg 243 and the Final Closing disclosure on Pg# 73 reflects escrows. Rate lock date was entered correctly see Pg.'s 6, 216 An interior and exterior appraisal was completed for this property – see pg. 25 the appraisal disclosure was provided to the borrower(s)- see Pg#'25 and copy of the appraisal was given to the borrower see Pg# 20 for delivery confirmation. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-07/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916457 |  |  | Closed | 2025-07-16 03:18 | 2025-07-29 13:44 | Resolved | 1 - Information C A | Compliance | Mavent | PA Fee Not Allowed- Processing Fee (Fee ID: 9) | Resolved-Upon further review from compliance, a processing fee is allowed. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-6123(1) = Charge, contract for, collect or receive charges, fees, premiums, commissions or other considerations in excess of the limitations of those contained in this chapter (No mention of Processing Fee although 6123(4) prohibits a broker's fee, finder's fee, commission, premium or any other charges for obtaining, procuring or placing of a mortgage loan.))<br>6122(a) = (a) Mortgage lenders -- If they are in compliance with the provisions of this chapter, mortgage lenders shall have the power and authority. (obviously nothing in this that refers to a processing fee)<br>So, the only thing that comes close is 6122(a)(2):<br>(2) To collect fees or premiums for title examination, abstract of title, title insurance, credit reports, surveys, appraisals, notaries, postage, including messenger and express carrier, tax service or other costs or fees actually related to the processing of a mortgage loan application or making of a mortgage loan, when the fees are actually paid or incurred by the licensee and to collect fees or charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the mortgage loan and include these in the principal of the mortgage loan.<br> - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open-Processing Fee (Fee ID: 9) is not allowed to be charged to the Borrower and paid to the Lender in XXXX. XXXX Fee Not Allowed- Processing Fee - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Upon further review from compliance, a processing fee is allowed. Condition resolved. - Due Diligence Vendor-07/29/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916455 |  |  | Closed | 2025-07-15 08:31 | 2025-07-23 11:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 for borrower 2 Provided. - Due Diligence Vendor-07/XX/2025 <br> Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-INITIAL 1003 FOR XXXXX - Due Diligence Vendor-07/XX/2025 <br> Open-The Initial 1003 is Missing Missing Initial 1003 for borrower 2. - Due Diligence Vendor-07/XX/2025 | Resolved-Initial 1003 for borrower 2 Provided. - Due Diligence Vendor-07/23/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916455 |  |  | Closed | 2025-07-15 11:53 | 2025-07-21 12:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.519%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed from the Final Closing disclosure on Pg#101. Rate lock date was entered correctly see Pg#'s 312 An interior and exterior appraisal was completed for this property – see pg no 49, 66-75 the appraisal disclosure was provided to the borrower(s)- see Pg#'447 and copy of the appraisal was given to the borrower see Pg 48 for delivery confirmation. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (10.519%) APR equals or exceeds the Federal HPML threshold of (10.42%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver confirmed from the Final Closing disclosure on Pg#101. Rate lock date was entered correctly see Pg#'s 312 An interior and exterior appraisal was completed for this property – see pg no 49, 66-75 the appraisal disclosure was provided to the borrower(s)- see Pg#'447 and copy of the appraisal was given to the borrower see Pg 48 for delivery confirmation. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/15/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916466 |  |  | Closed | 2025-07-15 16:47 | 2025-07-23 08:19 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with FICO score provided. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-UPDATED 1008 - Due Diligence Vendor-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is Blank Hence we need updated 1008 With Fico. - Due Diligence Vendor-07/XX/2025 | Resolved-Updated 1008 with FICO score provided. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916478 |  |  | Closed | 2025-07-16 04:25 | 2025-07-16 04:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.299%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 71 and the Final Closing disclosure on Pg#'s 71-75 reflects escrows. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg 22-48 , the appraisal disclosure was provided to the borrower(s)- see Pg#'248 , and copy of the appraisal was given to the borrower – see Pg#'s 217for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.299%) APR equals or exceeds the Federal HPML threshold of (10.38%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 71 and the Final Closing disclosure on Pg#'s 71-75 reflects escrows. Rate lock date was entered correctly – see Pg#'s 212 An interior and exterior appraisal was completed for this property – see pg 22-48 , the appraisal disclosure was provided to the borrower(s)- see Pg#'248 , and copy of the appraisal was given to the borrower – see Pg#'s 217for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940474 |  |  | Closed | 2025-07-31 07:13 | 2025-08-11 17:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. COC CD and GFE uploaded - Seller-08/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credits Added in Final Cd, and there is no coc to cure the tolerance - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940474 |  |  | Closed | 2025-07-16 11:01 | 2025-07-31 14:03 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed provided, finding resolved. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed disclosure is missing in file, we need signed intent to proceed. - Due Diligence Vendor-07/XX/2025 | Resolved-Intent to proceed provided, finding resolved. - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940474 |  |  | Closed | 2025-07-16 09:59 | 2025-07-31 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd party voe is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close is missing in file. We need VOE with 10 business days of closing as per guideline version XXXX page XXXX.<br>- Due Diligence Vendor-07/XX/2025 | Resolved-3rd party voe is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940474 |  |  | Closed | 2025-07-16 11:03 | 2025-07-31 07:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE Missing in file, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. LE attached - Seller-07/XX/2025 <br>Open-Initial Loan estimate is missing in file, to run the compliance we need initial LE. - Due Diligence Vendor-07/XX/2025 | Resolved-Initial LE Missing in file, Changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940474 |  |  | Closed | 2025-07-16 11:05 | 2025-07-31 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd Missing in file, Changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-07/XX/2025 | Resolved-Initial Cd Missing in file, Changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940474 |  |  | Closed | 2025-07-16 11:03 | 2025-07-31 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service provider list is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. SSPL - Buyer-07/XX/2025 <br>Open-Service Provider List is missing in file, as loan type is primary refinance we need to run the compliance. We need service provider list. - Due Diligence Vendor-07/XX/2025 | Resolved-Service provider list is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940474 |  |  | Closed | 2025-07-16 11:11 | 2025-07-24 18:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property: Land Area exceeds guideline maximum | Waived-Exception Approved - Due Diligence Vendor-07/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX agrees with this exception - Buyer-07/XX/2025 <br> Open-Land Area/Acreage exceeds guideline maximum Land area exceeds guideline requirement, as per guidelines version XXXX page #230 maximum acreage allowed only 2 acres but subject property has XXXX acres and we have UW exception for the same at page #521. - Due Diligence Vendor-07/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-07/24/2025<br>|  |  | Residual Income is XXXX. Minimum Residual Income required per guidelines is $2500. <br> CLTV is XXXX. Maximum allowed per guidelines is 90%.<br> Credit Score is XXXX4. Minimum required per guidelines is 700 and XXXX<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5916418 |  |  | Closed | 2025-07-16 07:18 | 2025-07-22 21:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 439. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 826 , and copy of the appraisal was given to the borrower – see Pg#'s 826 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #23. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 439. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 826 , and copy of the appraisal was given to the borrower – see Pg#'s 826 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #23. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-07/16/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916418 |  |  | Closed | 2025-07-16 07:18 | 2025-07-22 21:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.779%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 439. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 826 , and copy of the appraisal was given to the borrower – see Pg#'s 826 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #23. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.779%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 439. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 826 , and copy of the appraisal was given to the borrower – see Pg#'s 826 for the copy of the disclosure. Appraisal delivery acknowledgement to borrower on page #23. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-07/16/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916413 |  |  | Closed | 2025-07-16 07:52 | 2025-07-29 14:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved. Cure provided. - Due Diligence Vendor-07/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($20.80) were applied to the total fee variance of ($126.80) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($126.80), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($232.80) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-07/XX/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($20.80) were applied to the total fee variance of ($126.80) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is required for lender credits on final CD. Increase to Recording Fees and County Tax Stamps. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved. Cure provided. - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916510 |  |  | Closed | 2025-07-22 23:39 | 2025-07-24 21:45 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/XX/2025 <br> Resolved-Title supplement, Provided Resolved.<br> - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-title supplement - Due Diligence Vendor-07/XX/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Missing coverage amount from policy provided. - Due Diligence Vendor-07/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/24/2025 <br> Resolved-Title supplement, Provided Resolved.<br> - Due Diligence Vendor-07/24/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916414 |  |  | Closed | 2025-07-18 12:31 | 2025-08-06 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-XXXX - Open-end accounts do not have to be included in the monthly debt payment if the borrower has sufficient funds to pay off the outstanding account balance. Brw Liquid Assets over XXXX. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Audited DTI of 50.28% exceeds Guideline DTI of 50% - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-XXXX - Open-end accounts do not have to be included in the monthly debt payment if the borrower has sufficient funds<br> to pay off the outstanding account balance. - Seller-08/XX/2025 <br> Open-Audited DTI of 50.28% exceeds Guideline DTI of 50% - Due Diligence Vendor-07/XX/2025 <br> Open-Provide GL page or section number stating your claim or an exception approval from XXXX - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-30 Day Charge accounts not required to be included in monthly debt payment if the borrower has sufficient funds to pay off outstanding balance - Buyer-07/XX/2025 <br> Open-Audited DTI of 50.28% exceeds Guideline DTI of 50% Audited DTI 50.28% exceed 50% DTI per XXXX-Equity advantage matrix -04/XX/25<br> (Tradeline XXXX payment not considered by UW in DTI resulting DTI exceed 50%) - Due Diligence Vendor-07/XX/2025 | Resolved-XXXX- Open-end accounts do not have to be included in the monthly debt payment if the borrower has sufficient funds to pay off the outstanding account balance. Brw Liquid Assets over XXXX. - Due Diligence Vendor-08/06/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916414 |  |  | Closed | 2025-07-18 11:58 | 2025-08-06 11:13 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Asset 2 expired, provided recent bank statement, changes made in system, Finding Resolved - Due Diligence Vendor-08/XX/2025 <br> Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Seller-08/XX/2025 <br> Open-Asset 2 Expired Asset 2 ending with #XXXX is expired, provide recent asset - Due Diligence Vendor-07/XX/2025 | Resolved-Asset 2 expired, provided recent bank statement, changes made in system, Finding Resolved - Due Diligence Vendor-08/06/2025 <br>Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916414 |  |  | Closed | 2025-07-18 11:58 | 2025-08-06 11:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 expired, provided recent bank statement, changes made in system, Finding Resolved - Due Diligence Vendor-08/XX/2025 <br> Resolved-Asset 1 Not Expired - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Seller-08/XX/2025 <br> Open-Asset 1 Expired Asset 1 ending with #XXXX is expired, provide recent asset - Due Diligence Vendor-07/XX/2025 | Resolved-Asset 1 expired, provided recent bank statement, changes made in system, Finding Resolved - Due Diligence Vendor-08/06/2025 <br>Resolved-Asset 1 Not Expired - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916414 |  |  | Closed | 2025-07-18 11:14 | 2025-08-05 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved- VOE provided, resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-08/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide Verification of the existence of the business within 10 business days of closing. per guideline page#105 of 232 - Due Diligence Vendor-07/XX/2025 | Resolved- VOE provided, resolved. - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916414 |  |  | Closed | 2025-07-18 11:14 | 2025-08-05 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Provided - Resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. uploaded - Buyer-08/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Verification of the existence of the business within 10 business days of closing. Guideline page #XXXX of XXXX - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 3rd Party VOE Provided - Resolved. - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916414 |  |  | Closed | 2025-07-18 11:14 | 2025-07-31 10:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-pay stubs are less than 1 month, provided complete pay stubs, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-07/XX/2025 <br>Open-Borrower 2 Paystubs Less Than 1 Month Provided B2 has 1 paystub for 15 days period, Provide Pay stub(s) covering the most recent 30-day period providing year-to-date earnings per guidelines. page#76 of 232 - Due Diligence Vendor-07/XX/2025 | Resolved-pay stubs are less than 1 month, provided complete pay stubs, changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961458 |  |  | Closed | 2025-07-21 12:28 | 2025-09-05 14:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 <br> Rescinded-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is not available on provided title/property report. However, G/Ls does not state title coverage should be included. Hence rescinded. - Due Diligence Vendor-07/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/05/2025 <br> Rescinded-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is not available on provided title/property report. However, G/Ls does not state title coverage should be included. Hence rescinded. - Due Diligence Vendor-07/21/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961458 |  |  | Closed | 2025-09-03 01:00 | 2025-09-05 14:46 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-PCCD with cure of $XXXX provided - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-CURE DOCS - Due Diligence Vendor-09/XX/2025 <br> Open-Once Note updated, Finance charge is understated by $XXXX. - Due Diligence Vendor-09/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 | Resolved-PCCD with cure of $XXXX provided - Due Diligence Vendor-09/05/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961458 |  |  | Closed | 2025-09-03 01:00 | 2025-09-05 14:46 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-PCCD with cure of $XXXX provided - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-CURE DOCS - Due Diligence Vendor-09/XX/2025 <br> Open-Once Note updated, Finance charge is understated by $XXXX. - Due Diligence Vendor-09/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 | Resolved-PCCD with cure of $XXXX provided - Due Diligence Vendor-09/05/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961458 |  |  | Closed | 2025-07-21 10:15 | 2025-09-03 01:01 | Resolved | 1 - Information C A | Compliance | Late:Amount | Massachusetts - Maximum Late Fee (ALP) | Resolved-Lender provided updated Note. Finding resolved. - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-Pls see corrected Note with note tracking. - Due Diligence Vendor-08/XX/2025 <br> Open-The ($88.49) late fee amount or (5.0%) late fee percent exceeds 3% of the amount in default. The Massachusetts Alienation of Land Provisions state that a closed-end loan secured by a 1-4 unit primary or vacation dwelling may not contain a late charge greater than 3%. (M.G.L. c. 183 Section 59) The ($88.49) late fee amount or (5.0%) late fee percent exceeds 3% of the amount in default. The Massachusetts Alienation of Land Provisions state that a closed-end loan secured by a 1-4 unit primary or vacation dwelling may not contain a late charge greater than 3%. (M.G.L. c. 183 Section 59) state base findigs - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided updated Note. Finding resolved. - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961458 |  |  | Closed | 2025-07-21 10:15 | 2025-09-05 14:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Massachusetts - Higher Priced Mortgage Loan | Resolved-Resolved- re ran XXXX- Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 <br> Resolved-Loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 <br> Resolved-This junior lien closed end loan secured by a 1-4 unit primary dwelling is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (10.558%) APR equals or exceeds the HPML threshold of (XXXX). The threshold is determined by adding 3.5 points to the (6.93%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 55,181 An interior and exterior appraisal was completed for this property – see pg 27 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, 303 and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved- re ran XXXX- Due Diligence Vendor-09/05/2025 <br> Resolved-Loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-09/03/2025 <br> Resolved-This junior lien closed end loan secured by a 1-4 unit primary dwelling is a Massachusetts Higher-Priced Mortgage Loan (HPML). The loan's (10.558%) APR equals or exceeds the HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the (6.93%) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 55,181 An interior and exterior appraisal was completed for this property – see pg 27 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, 303 and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-07/21/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961458 |  |  | Closed | 2025-07-21 10:15 | 2025-09-05 14:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved- re ran Mavent - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Resolved-Loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Resolved-The loan's (10.558%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 55,181 An interior and exterior appraisal was completed for this property – see pg 27 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, 303 and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Resolved- re ran Mavent - Due Diligence Vendor-09/05/2025 <br>Resolved-Loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-09/03/2025 <br>Resolved-The loan's (10.558%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Rate lock date was entered correctly – see Pg#'s 55,181 An interior and exterior appraisal was completed for this property – see pg 27 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 20, 303 and copy of the appraisal was given to the borrower – see Pg#'s 21 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/21/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916412 |  |  | Closed | 2025-07-21 05:32 | 2025-07-25 10:10 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 provided with correct FICO. Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Both borrowers having equal income hence selected fico method as Highest mid score - Due Diligence Vendor-07/XX/2025 | Resolved-Updated 1008 provided with correct FICO. Resolved - Due Diligence Vendor-07/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916430 |  |  | Closed | 2025-07-21 12:28 | 2025-08-01 18:59 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Loan Discount Fee (Fee ID: 999) | Resolved-Upon further review from compliance, Loan Discount fee is allowed. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Open-The XXXX does not allow Loan Discount Fee (Fee ID: 999) to be charged to the Borrower in XXXX. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Please double check this as this is a second lien refinance - Seller-07/XX/2025 <br>Open-The XXXX does not allow Loan Discount Fee (Fee ID: 999) to be charged to the Borrower in XXXX. - Due Diligence Vendor-07/XX/2025 <br>Open-The XXXX does not allow Loan Discount Fee (Fee ID: 999) to be charged to the Borrower in XXXX. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Upon further review from compliance, Loan Discount fee is allowed. Condition resolved. - Due Diligence Vendor-08/01/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916430 |  |  | Closed | 2025-07-25 16:46 | 2025-07-30 20:36 | Resolved | 1 - Information C A | Compliance | Disclosure | Borrower(s) did not receive 3 days right of rescission | Resolved-Lender provided evidence loan funded after 3 days of transaction date. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. this loan did not fund until three days after borrower signed this form on XXXX-we should have no issue here - Seller-07/XX/2025 <br> Open-Provide corrected ROR with borrower acknowledging on XXXX or later that 3 days have lapsed since ROR provided. ROR in file acknowledged 3 days have lapsed on the same day as ROR provided on XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided evidence loan funded after 3 days of transaction date. Condition resolved. - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916430 |  |  | Closed | 2025-07-21 12:28 | 2025-07-30 15:00 | Resolved | 1 - Information C A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-The List of Settlement Service Providers Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Resolved-Lender provided List of Settlement Service Providers Disclosure Date (XXXX) with in 3 business days from the Application Date (XXXX). Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br> Open-The List of Settlement Service Providers Disclosure Date XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) - Due Diligence Vendor-07/XX/2025 <br> Open-As per Initial document (Initial application date shows XXXX) however the LE is Present for the dated XXXX which is not within 3 business days and other provided LE shows different address and required service provider list for same. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The List of Settlement Service Providers Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) - Due Diligence Vendor-07/30/2025 <br> Resolved-Lender provided List of Settlement Service Providers Disclosure Date (XXXX) with in 3 business days from the Application Date (XXXX). Condition resolved. - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916430 |  |  | Closed | 2025-07-25 16:14 | 2025-07-30 15:00 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Prior Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Lender provided evidence the LE was provided electronically. Condition resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved- - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br> Open-A revised Loan Estimate was provided on (XXXX) via (Other). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to the consummation date of (XXXX. Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. A consumer must receive a revised Loan Estimate not later than four business days prior to consummation. Four business days before consummation is (XXXX). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 <br> Open-A revised Loan Estimate was provided on (XXXX) via (Other). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to<br> the consummation date of (XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XXXX), which is three<br> business days after it was delivered or placed in the mail. A consumer must receive a revised Loan Estimate not later than four business days prior to consummation. Four<br> business days before consummation is (XXXX). (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided evidence the LE was provided electronically. Condition resolved. - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916430 |  |  | Closed | 2025-07-21 10:07 | 2025-07-30 13:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Loan Origination with sign is missing in file, Provided final 1003 origination documents with sign is sufficient, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-The Initial 1003 is Missing Provide 1003 executed by Lender Originator. - Due Diligence Vendor-07/XX/2025 | Resolved-Loan Origination with sign is missing in file, Provided final 1003 origination documents with sign is sufficient, Finding Resolved - Due Diligence Vendor-07/30/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940478 |  |  | Closed | 2025-07-21 04:55 | 2025-07-31 13:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-pay stubs are less than 1 month, provided complete pay stubs, changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br>Open-Borrower 2 Paystubs Less Than 1 Month Provided Required monthly paystub for 1 month - Due Diligence Vendor-07/XX/2025 | Resolved-pay stubs are less than 1 month, provided complete pay stubs, changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/31/2025 <br>Resolved-Borrower 2 Paystubs Less Than 1 Month Provided Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940478 |  |  | Closed | 2025-07-25 03:22 | 2025-07-31 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-3rd party voe is missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Required Borrower VVOE for B2. - Due Diligence Vendor-07/XX/2025 | Resolved-3rd party voe is missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/31/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940478 |  |  | Closed | 2025-07-25 03:39 | 2025-07-31 13:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Per legal advice, only the title holder (in this case B2) is required to sign the DOT.<br> Word doc in findings - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. See LOE from seller-per state guides, we are fine here - Seller-07/XX/2025 <br>Open-The Deed of Trust is Missing Borrower 1 Signature is missing on DOT - Due Diligence Vendor-07/XX/2025 | Resolved-Per legal advice, only the title holder (in this case B2) is required to sign the DOT.<br> Word doc in findings - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940478 |  |  | Closed | 2025-07-21 04:00 | 2025-07-31 13:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lo Sign missing in Initial 1003, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-07/XX/2025 <br>Open-The Initial 1003 is Missing Originator signature is missing on Initial 1003. - Due Diligence Vendor-07/XX/2025 | Resolved-Lo Sign missing in Initial 1003, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940478 |  |  | Closed | 2025-07-21 05:15 | 2025-07-29 10:06 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested Updated 1008 Provided with Updated FICO that is matching to Credit Report, Updated & Condition Resolved. - Due Diligence Vendor-07/XX/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Selected Fico Method as primary wage earner mid score however the B2 income is higher than B1. - Due Diligence Vendor-07/XX/2025 | Resolved-Requested Updated 1008 Provided with Updated FICO that is matching to Credit Report, Updated & Condition Resolved. - Due Diligence Vendor-07/29/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916408 |  |  | Closed | 2025-07-22 10:44 | 2025-07-30 13:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-in findings - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-in findings - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916408 |  |  | Closed | 2025-07-22 07:53 | 2025-07-30 10:51 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated title, changes made in system, Finding Resolved - Due Diligence Vendor-07/XX/2025 <br> Resolved-Title Coverage Amount of $xx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Required updated title policy which will cover the Loan amount - Due Diligence Vendor-07/XX/2025 | Resolved-Title coverage is less than loan amount, provided updated title, changes made in system, Finding Resolved - Due Diligence Vendor-07/30/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/30/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-04 22:36 | 2025-08-15 17:53 | Cured | 2 - Non-Material C B | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-PCCD and refund check provided. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-We were told by XXXX that a $XXXX refund would clear all remaining conditions. That has been done and uploaded. Please clear this condition. - Buyer-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-researching - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Rescinded-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) working through mavent fails - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) working through state rules fails. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Cured-PCCD and refund check provided. - Due Diligence Vendor-08/15/2025 <br> Rescinded-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) working through mavent fails - Due Diligence Vendor-08/14/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-14 15:25 | 2025-08-14 15:48 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-There are ($70.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved- - Due Diligence Vendor-08/XX/2025 <br>Resolved- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open-There are ($70.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) researching - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-There are ($70.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-08/14/2025 <br>Resolved- - Due Diligence Vendor-08/14/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-07 14:55 | 2025-08-14 15:48 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Recording Service Fee (Fee ID: 108) | Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Recording Service Fee (Fee ID: 108) to be charged to the Borrower in XXXX PCCD provided - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Recording Service Fee (Fee ID: 108) to be charged to the Borrower in XXXX working through state rules fails. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded for review - Buyer-08/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Recording Service Fee (Fee ID: 108) to be charged to the Borrower in XXXX The fee is $20. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved- - Due Diligence Vendor-08/14/2025 <br>Resolved- - Due Diligence Vendor-08/14/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-14 15:28 | 2025-08-14 15:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Processing Fee, Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). researching - Due Diligence Vendor-08/XX/2025 |  |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-07-29 07:50 | 2025-08-14 15:34 | Resolved | 1 - Information A | Compliance | Mavent | VA Fee Not Allowed- Courier Fee (Fee ID: 143) | Resolved-Section 6.2-328 of the XXXX does not allow Courier Fee (Fee ID: 143) to be charged to the Borrower in XXXX - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Courier Fee (Fee ID: 143) to be charged to the Borrower in XXXX working through state rules fails. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded for review. - Buyer-08/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Courier Fee (Fee ID: 143) to be charged to the Borrower in XXXX The fee is $50. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Rescinded- - Due Diligence Vendor-08/XX/2025 <br> Rescinded- - Due Diligence Vendor-08/XX/2025 <br> Rescinded- - Due Diligence Vendor-08/XX/2025 <br> Rescinded- - Due Diligence Vendor-08/XX/2025 <br> Rescinded-Updated naming error on final CD, finding rescinded. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Can you clarify what fee you are seeing? I don't see any Courier Fee listed on the Final CD. - Buyer-07/XX/2025 <br> Open-Section 6.2-328 of the XXXX does not allow Courier Fee (Fee ID: 143) to be charged to the Borrower in XXXX Courier Fee is not allowed per VA state - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Section 6.2-328 of the XXXX does not allow Courier Fee (Fee ID: 143) to be charged to the Borrower in XXXX - Due Diligence Vendor-08/14/2025 <br>Resolved- - Due Diligence Vendor-08/14/2025 <br>Rescinded-Updated naming error on final CD, finding rescinded. - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-05 15:30 | 2025-08-11 20:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Resolved - XXXX confirms property should be classified as NOO, occupancy clarified, compliance & guidelines have been tested. - Due Diligence Vendor-08/XX/2025 <br>Open-As per guidelines when lender is unable to clear alerts due to lack of access to the report an Underwriter certification explaining alerts must be in loan file. Loan file contains a processor certification only. - Due Diligence Vendor-08/XX/2025 <br>Open-Fraud Report Shows Uncleared Alerts Address Check returned failed. - Due Diligence Vendor-08/XX/2025 | Resolved-Resolved - XXXX confirms property should be classified as XXXX, occupancy clarified, compliance & guidelines have been tested. - Due Diligence Vendor-08/11/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-05 21:36 | 2025-08-11 20:56 | Resolved | 1 - Information C A | Credit | Borrower | Fraud: Potential Occupancy/Current Address Issues identified in the file | Resolved-Resolved - XXXX confirms property should be classified as NOO, occupancy clarified, compliance & guidelines have been tested. - Due Diligence Vendor-08/XX/2025 <br>Open-Appraisal supports property is owner occupied, rent free letter provided in file does not provide address for property it refers to, prior mortgage statement mailed to subject property address, credit, fraud and patriot act information provided also supports owner occupied occupancy status. - Due Diligence Vendor-08/XX/2025 | Resolved-Resolved - XXXX confirms property should be classified as XXXX, occupancy clarified, compliance & guidelines have been tested. - Due Diligence Vendor-08/11/2025 |  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-04 22:46 | 2025-08-07 21:28 | Resolved | 1 - Information C A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved-resolved - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open-The disclosed APR (XXXX) is lower than the actual APR (XXXX) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) open - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-resolved - Due Diligence Vendor-08/04/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-04 22:46 | 2025-08-07 21:28 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open-The Prior CD1 sent on (XXX) was received at least 3 business days before closing. The Last CD sent on (XXXX) was not received at least 3 business days before closing. The Prior CD1 (11.317%) APR is inaccurate when compared to the (11.479%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXX), which is 3 business days before the (XXXX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved- - Due Diligence Vendor-08/04/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-04 22:46 | 2025-08-07 21:28 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved-resolved - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open-The Annual Percentage Rate of (XXXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before the consummation date of (XXXX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(A); 1026.22(a)(2)) open - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-resolved - Due Diligence Vendor-08/04/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-05 21:37 | 2025-08-07 20:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-08/XX/2025 <br>Resolved-Affidavit provided, resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open-Business purpose or occupancy affidavit is missing from file. - Due Diligence Vendor-08/XX/2025 | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-08/07/2025 <br>Resolved-Affidavit provided, resolved. - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-07-22 10:39 | 2025-08-07 19:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 with borrower signature & date provided. - Due Diligence Vendor-08/XX/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Updated 1003 uploaded for review. - Buyer-08/XX/2025 <br>Open-The application provided is not dated by the brw. dated Signature is required. - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Signed Final 1003 uploaded for review. - Buyer-07/XX/2025 <br>Open-The Final 1003 is Missing Borrower Signature is missing in Final 1003. - Due Diligence Vendor-07/XX/2025 | Resolved-Updated Final 1003 with borrower signature & date provided. - Due Diligence Vendor-08/04/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-04 12:55 | 2025-08-07 14:56 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-08/XX/2025 <br>Resolved- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Rescinded-Investment - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Rescinded-The total amount of the 10% category fees ($80.00) has increased by more than 10% over the current baseline value of ($60.00). The total amount of fees in the 10% category cannot exceed ($66.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Fees corrected. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved- - Due Diligence Vendor-08/07/2025 <br>Rescinded-Investment - Due Diligence Vendor-08/05/2025 <br>Rescinded-The total amount of the 10% category fees ($80.00) has increased by more than 10% over the current baseline value of ($60.00). The total amount of fees in the 10% category cannot exceed ($66.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Fees corrected. - Due Diligence Vendor-08/04/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-04 12:55 | 2025-08-07 14:56 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-08/XX/2025 <br>Resolved- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Rescinded-Investment property - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Rescinded-The total amount of the 10% category fees on the last Closing Disclosure ($80.00) has increased by more than 10% over the current baseline value of ($60.00). The total amount of fees in the 10% category cannot exceed ($66.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Fees corrected. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved- - Due Diligence Vendor-08/07/2025 <br>Rescinded-Investment property - Due Diligence Vendor-08/05/2025 <br>Rescinded-The total amount of the 10% category fees on the last Closing Disclosure ($80.00) has increased by more than 10% over the current baseline value of ($60.00). The total amount of fees in the 10% category cannot exceed ($66.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Fees corrected. - Due Diligence Vendor-08/04/2025<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-05 15:30 | 2025-08-05 20:16 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved- - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/05/2025 <br>Open-Potential Fraud Reflected on Fraud Report Employer name not found. - Due Diligence Vendor-08/05/2025 |  | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-08-05 15:48 | 2025-08-05 20:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved- - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/XX/2025 |  | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940495 |  |  | Closed | 2025-07-22 11:45 | 2025-07-29 07:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-initial Cd Missing in file, Provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Is missing In File. - Due Diligence Vendor-07/XX/2025 | Resolved-initial Cd Missing in file, Provided the same, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-07/29/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916422 |  |  | Closed | 2025-07-22 09:13 | 2025-08-05 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report missing in file, provided the same ,changes made in system, Finding Resolved - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-08/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing B1 Gap CR within 10 days of closing is missing. - Due Diligence Vendor-07/XX/2025 | Resolved-Gap Credit Report missing in file, provided the same ,changes made in system, Finding Resolved - Due Diligence Vendor-08/05/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5916422 |  |  | Closed | 2025-07-22 09:15 | 2025-08-05 06:57 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-Property Condition Inspection report provided. Updated & Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-None of the Valuation entries contain core valuation types. Property Condition Inspection report provided. Updated & Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Clear AVM = Property Condition inspection uploaded - Buyer-08/XX/2025 <br>Open-None of the Valuation entries contain core valuation types. The AVM is in file however the Property Report is missing. GL Matrix: For loan amounts ≤ $400,000, one of: ▪ AVM (see requirements below) + Property Condition Report (or) Full interior appraisal (Fannie Mae Form 1004, 1073 or 1025). - Due Diligence Vendor-07/XX/2025 | Resolved-Property Condition Inspection report provided. Updated & Resolved. - Due Diligence Vendor-08/05/2025 <br>Resolved-None of the Valuation entries contain core valuation types. Property Condition Inspection report provided. Updated & Resolved. - Due Diligence Vendor-08/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5916424 |  |  | Closed | 2025-07-23 06:18 | 2025-08-04 07:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. debt monitoring in progress - Buyer-08/XX/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Per the guidelines pg 218 with Effective XXXX a [Gap or refresh] credit report is required. The file is missing the [Gap or refresh] report. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916424 |  |  | Closed | 2025-07-23 06:18 | 2025-08-04 07:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report Provided. Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. debt monitoring in progress - Buyer-08/XX/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Per the guidelines pg XXXX with Effective XXXX a [Gap or refresh] credit report is required. The file is missing the [Gap or refresh] report. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 2 Gap Credit Report Provided. Resolved - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916424 |  |  | Closed | 2025-07-23 06:43 | 2025-08-04 06:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-08/XX/2025 <br>Open-Missing Third Party Fraud Report Provide Fraud report. - Due Diligence Vendor-07/XX/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916431 |  |  | Closed | 2025-07-24 15:27 | 2025-07-30 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculator Provided, Updated & Condition Resolved. - Due Diligence Vendor-07/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-07/XX/2025 | Resolved-Requested Income Calculator Provided, Updated & Condition Resolved. - Due Diligence Vendor-07/30/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/30/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916434 |  |  | Closed | 2025-07-25 11:41 | 2025-08-04 22:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Confirmed mortgage statement for first lien is on page 1025 - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. : - Title Document is Incomplete Title provided does not reflect first lien information.<br>The first lien is transferred hence will not appear on title report , The first lien note uploaded to portal.<br> - Buyer-08/XX/2025 <br>Open-Title Document is Incomplete Title provided does not reflect first lien information. - Due Diligence Vendor-07/XX/2025 | Resolved-Confirmed mortgage statement for first lien is on page 1025 - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916434 |  |  | Closed | 2025-07-25 08:30 | 2025-08-04 09:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-1-4 Family Rider Provided. Resolved - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-08/01/2025 <br>Open-1-4 Family Rider is Missing from file<br>Executed Rider is on page 1 of the loan package is not for this transaction. <br> : - Due Diligence Vendor-07/25/2025 | Resolved-1-4 Family Rider Provided. Resolved - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916434 |  |  | Closed | 2025-07-25 06:30 | 2025-08-04 08:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-08/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap report. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 Gap Credit Report Provided. Resolved - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916423 |  |  | Closed | 2025-07-25 11:34 | 2025-08-04 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-2 months bank statements not be required as Subject loan income qualifying with P&L 1 year. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Per this program-2 mos bank statement should not be rquired-we disagree with this finding - Seller-08/XX/2025 <br>Open-P&L income Borrower minimum 2 months bank statements are missing. - Due Diligence Vendor-07/XX/2025 | Resolved-2 months bank statements not be required as Subject loan income qualifying with P&L 1 year. - Due Diligence Vendor-08/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916423 |  |  | Closed | 2025-07-25 06:21 | 2025-07-31 19:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.644%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 42 , the appraisal disclosure was provided to the borrower(s)- see Pg# 26, 282, and copy of the appraisal was given to the borrower – see Pg#'s 123 for the delivery confirmation of the appraisal. The loan meets HPML guidelines. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.644%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 42 , the appraisal disclosure was provided to the borrower(s)- see Pg# 26, 282, and copy of the appraisal was given to the borrower – see Pg#'s 123 for the delivery confirmation of the appraisal. The loan meets HPML guidelines. - Due Diligence Vendor-07/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916423 |  |  | Closed | 2025-07-25 06:21 | 2025-07-31 19:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 42 , the appraisal disclosure was provided to the borrower(s)- see Pg# 26, 282, and copy of the appraisal was given to the borrower – see Pg#'s 123 for the delivery confirmation of the appraisal. The loan meets HPML guidelines. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 283. An interior and exterior appraisal was completed for this property – see pg 42 , the appraisal disclosure was provided to the borrower(s)- see Pg# 26, 282, and copy of the appraisal was given to the borrower – see Pg#'s 123 for the delivery confirmation of the appraisal. The loan meets HPML guidelines. - Due Diligence Vendor-07/25/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916384 |  |  | Closed | 2025-07-25 08:10 | 2025-08-06 12:44 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-08/XX/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than $35 when compared to the actual Total of Payments of ($XXXX). The difference is ($XXXX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) Total of payments is understated By more than $35. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-PCCD provided, finding resolved. - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916384 |  |  | Closed | 2025-07-25 07:05 | 2025-08-06 11:01 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard insurance effective date is after the note date, provided Updated hazard insurance document, changes made in system, Finding Resolved - Due Diligence Vendor-08/XX/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date ofXXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. hazard ins attached. - Buyer-08/XX/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Required renewal policy to cover within closing date. - Due Diligence Vendor-07/XX/2025 | Resolved-Hazard insurance effective date is after the note date, provided Updated hazard insurance document, changes made in system, Finding Resolved - Due Diligence Vendor-08/06/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916384 |  |  | Closed | 2025-07-25 08:10 | 2025-08-06 14:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Higher priced loan - Due Diligence Vendor-08/XX/2025 <br> Resolved-Higher priced loan - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved- Rate lock date was entered correctly – see Pg#'s 512 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/XX/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 512 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Higher priced loan - Due Diligence Vendor-08/06/2025 <br> Resolved-Higher priced loan - Due Diligence Vendor-08/06/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-08/06/2025 <br> Resolved- Rate lock date was entered correctly – see Pg#'s 512 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/06/2025 <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 512 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/25/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916384 |  |  | Closed | 2025-07-25 08:10 | 2025-08-06 14:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Higher priced loan - Due Diligence Vendor-08/XX/2025 <br>Resolved-Higher priced loan - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (12.745%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved- Rate lock date was entered correctly – see Pg#'s 512 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/XX/2025 <br>Open-The loan's (12.745%) APR equals or exceeds the Federal HPML threshold of (10.37%). - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (12.745%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 512 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Higher priced loan - Due Diligence Vendor-08/06/2025 <br>Resolved-Higher priced loan - Due Diligence Vendor-08/06/2025 <br>Resolved-The loan's (12.745%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-08/06/2025 <br>Resolved- Rate lock date was entered correctly – see Pg#'s 512 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/06/2025 <br>Resolved-The loan's (12.745%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 512 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-07/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916435 |  |  | Closed | 2025-07-25 06:49 | 2025-08-07 20:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report dated 7/XX/25 provided in Findings. Resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. attached - Seller-08/XX/2025 <br> Counter-The CR provided is dated XXXX and the Note Date/Closing Date is XXXX which is 16 business days. Gap report should be within 10 business dated from Closing Date. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-08/XX/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/XX/2025 | Resolved-Gap report dated 7/15/25 provided in Findings. Resolved. - Due Diligence Vendor-08/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916435 |  |  | Closed | 2025-07-25 06:02 | 2025-08-04 08:05 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. attached - Seller-08/XX/2025 <br> Open-Title Coverage Amount of $XX is Less than Loan Amount The Title Coverage amount of $XX is less than the Loan Amount of $XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-08/04/2025 | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916435 |  |  | Closed | 2025-07-25 09:15 | 2025-08-04 08:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-1st Lien Note doc provided. Resolved - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-08/01/2025 <br>Open-Loan is second mortgage. MISSING LEGAL DOCUMENTS FOR SENIOR OR SUBORDINATE LIEN. - Due Diligence Vendor-07/25/2025 | Resolved-1st Lien Note doc provided. Resolved - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907075 |  |  | Closed | 2025-07-26 05:25 | 2025-08-04 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Subordination Agreement is Present - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-??? Can I get some clarification on this? What exactly are you looking for? I never been conditioned for Subordination Agreement before. - Buyer-08/XX/2025 <br>Open-Missing Subordination Agreement Subordination Agreement is Missing. - Due Diligence Vendor-07/XX/2025 | Resolved-Subordination Agreement is Present - Due Diligence Vendor-08/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907075 |  |  | Closed | 2025-07-26 05:13 | 2025-08-04 09:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 provided. Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Updated 1003 uploaded for review. - Buyer-08/XX/2025 <br>Open-The Final 1003 is Incomplete Borrower years in industry information is not provided. - Due Diligence Vendor-07/XX/2025 | Resolved-Updated Final 1003 provided. Resolved - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907075 |  |  | Closed | 2025-07-26 05:33 | 2025-08-04 06:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. SE VOE uploaded for review. - Buyer-08/01/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/26/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916429 |  |  | Closed | 2025-07-26 04:19 | 2025-08-01 14:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.16%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) The loan's (11.16%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s 323 An interior and exterior appraisal was completed for this property – see pg 23-33 , the appraisal disclosure was provided to the borrower(s)- see Pg#'319, and copy of the appraisal was given to the borrower – see Pg#'s 9 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (11.16%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) The loan's (11.16%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Rate lock date was entered correctly – see Pg#'s 323 An interior and exterior appraisal was completed for this property – see pg 23-33 , the appraisal disclosure was provided to the borrower(s)- see Pg#'319, and copy of the appraisal was given to the borrower – see Pg#'s 9 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/26/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916432 |  |  | Closed | 2025-07-26 04:21 | 2025-07-31 20:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 366. An interior and exterior appraisal was completed for this property – see pg 38 , the appraisal disclosure was provided to the borrower(s)- see Pg#'365, and copy of the appraisal was given to the borrower – see Pg#'s 26 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 366. An interior and exterior appraisal was completed for this property – see pg 38 , the appraisal disclosure was provided to the borrower(s)- see Pg#'365, and copy of the appraisal was given to the borrower – see Pg#'s 26 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/26/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916432 |  |  | Closed | 2025-07-26 04:21 | 2025-07-31 20:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.626%) APR equals or exceeds the Federal HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 366. An interior and exterior appraisal was completed for this property – see pg 38 , the appraisal disclosure was provided to the borrower(s)- see Pg#'365, and copy of the appraisal was given to the borrower – see Pg#'s 26 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (12.626%) APR equals or exceeds the Federal HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 366. An interior and exterior appraisal was completed for this property – see pg 38 , the appraisal disclosure was provided to the borrower(s)- see Pg#'365, and copy of the appraisal was given to the borrower – see Pg#'s 26 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/26/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916417 |  |  | Closed | 2025-07-29 09:22 | 2025-07-29 10:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (9.993%) APR equals or exceeds the Federal HPML threshold of (9.68%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.18%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 340, 113 and the Final Closing disclosure on Pg#'s 113, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 422. An interior and exterior appraisal was completed for this property – see pg# 61-64 the appraisal disclosure was provided to the borrower(s)- see Pg#445, 's, and confirmation the appraisal was delivered to the borrower – see Pg#445, 410'. Appraisal Disclosure is 445, 410,Hence resolved.<br> - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (9.993%) APR equals or exceeds the Federal HPML threshold of (9.68%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.18%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 340, 113 and the Final Closing disclosure on Pg#'s 113, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 422. An interior and exterior appraisal was completed for this property – see pg# 61-64 the appraisal disclosure was provided to the borrower(s)- see Pg#445, 's, and confirmation the appraisal was delivered to the borrower – see Pg#445, 410'. Appraisal Disclosure is 445, 410,Hence resolved.<br> - Due Diligence Vendor-07/29/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916419 |  |  | Closed | 2025-07-29 08:54 | 2025-08-08 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Calc worksheet provided. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-08/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower lender income calculation worksheet is missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-Income Calc worksheet provided. Resolved. - Due Diligence Vendor-08/08/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916419 |  |  | Closed | 2025-07-29 12:02 | 2025-08-07 21:07 | Resolved | 1 - Information C A | Credit | Debt | Subordinate lien does not meet guideline requirements | Resolved-First lien Note provided in Findings. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. attached - Seller-08/XX/2025 <br>Open-1st lien Deed of trust or Note document is missing in file. - Due Diligence Vendor-07/XX/2025 | Resolved-First lien Note provided in Findings. Resolved. - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916419 |  |  | Closed | 2025-07-29 10:28 | 2025-08-01 20:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (13.435%) APR equals or exceeds the Federal HPML threshold of (10.39%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 299 An interior and exterior appraisal was completed for this property – see pg 11-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 322,344, 305 and copy of the appraisal was given to the borrower – see Pg#'s 82 for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 <br>Open- - Due Diligence Vendor-07/XX/2025 | Resolved-The loan's (13.435%) APR equals or exceeds the Federal HPML threshold of (10.39%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 299 An interior and exterior appraisal was completed for this property – see pg 11-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 322,344, 305 and copy of the appraisal was given to the borrower – see Pg#'s 82 for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-07/29/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916419 |  |  | Closed | 2025-07-29 10:28 | 2025-08-01 20:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (13.435%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (XXXX). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 299 An interior and exterior appraisal was completed for this property – see pg 11-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 322,344, 305 and copy of the appraisal was given to the borrower – see Pg#'s 82 for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (10.39%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.89%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 299 An interior and exterior appraisal was completed for this property – see pg 11-42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 322,344, 305 and copy of the appraisal was given to the borrower – see Pg#'s 82 for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-07/29/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916420 |  |  | Closed | 2025-07-29 06:34 | 2025-08-04 13:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided initial CD. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-TRID: Missing Closing Disclosure Provide initial CD. Subject to additional conditions upon review. - Due Diligence Vendor-07/XX/2025 | Resolved-Lender provided initial CD. Condition resolved. - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916420 |  |  | Closed | 2025-07-29 04:18 | 2025-08-04 08:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX. - Due Diligence Vendor-07/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/04/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916436 |  |  | Closed | 2025-07-31 20:51 | 2025-08-04 22:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter stating expense factor used to calculate for borrower's income. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-08/04/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940483 |  |  | Closed | 2025-08-06 14:04 | 2025-08-14 13:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC dated 7/XX/2025 for increase in discount points. - Due Diligence Vendor-08/XX/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. See attached LE that was sent XXXX redisclosing the rate lock and points. - Seller-08/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Appraisal Review Fee, Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan discount fee increased from the initial LE to the final CD and there was not a valid change of circumstance in the file. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Compliance Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). comment in lm<br> - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Appraisal Review Fee, Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Comment in LM<br> - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Compliance Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-08/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Appraisal Review Fee, Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Comment in LM - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Comment in LM - Due Diligence Vendor-08/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee, Appraisal Review Fee, Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Comment in LM - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Lender provided COC dated XXXX for increase in discount points. - Due Diligence Vendor-08/14/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940483 |  |  | Closed | 2025-07-30 08:15 | 2025-08-06 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE Provided Which is recently verified, hence updated & Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Bor 1 SE VOE uploaded for review. - Buyer-08/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Required 3rd Party VOE document. - Due Diligence Vendor-07/XX/2025 | Resolved-Requested 3rd Party VOE Provided Which is recently verified, hence updated & Condition resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940483 |  |  | Closed | 2025-07-30 08:15 | 2025-08-06 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE Provided Which is recently verified, hence updated & Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Bor 2 SE VOE uploaded for review. - Buyer-08/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Required 3rd Party VOE document. - Due Diligence Vendor-07/XX/2025 | Resolved-Requested 3rd Party VOE Provided Which is recently verified, hence updated & Condition resolved. - Due Diligence Vendor-08/06/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940483 |  |  | Closed | 2025-08-04 14:44 | 2025-08-06 15:03 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Bank statements provided. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. I pulled the 3 month of bank statements requested. they have been uploaded for review. Let me know if something else was needed. - Buyer-08/XX/2025 <br> Ready for Review-Please double check package. Statements were in the package. - Buyer-08/XX/2025 <br> Open-Missing bank statements for XXXX for months ofXXXX and XXXX. Bank statement for same a/c for month of XXXX was not complete in file. - Due Diligence Vendor-08/XX/2025 | Resolved-Bank statements provided. - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940483 |  |  | Closed | 2025-07-30 13:35 | 2025-08-06 14:11 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Service provider list dated 3/XX/2025 provided. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Service Provider List uploaded for review. - Seller-08/XX/2025 <br>Open-Title fees (Title Search- Courier Fee- Endorsement- Lender title Insurance- Settlement Fee- Wire Fee) is paid to a provider that's not on providers list, but the fee is still in section B, move the Fee (Title Search- Courier Fee- Endorsement- Lender title Insurance- Settlement Fee- Wire Fee) to section C. Required Service Provider List document. - Due Diligence Vendor-07/XX/2025 | Resolved-Service provider list dated XXXX provided. - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940483 |  |  | Closed | 2025-07-30 13:11 | 2025-08-06 14:05 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-LE dated 3/XX/2025 provided. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. LE uploaded for review. - Seller-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The Initial Loan Estimate Disclosure Date XXXX) is more than 3 business days from the Application Date (2025-03-05). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-LE dated XXXX provided. - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940483 |  |  | Closed | 2025-07-30 13:19 | 2025-08-06 13:40 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP dated 3/XX/2025 provided and entered into LM. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Seller-08/XX/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed missing in the file. - Due Diligence Vendor-07/XX/2025 | Resolved-ITP dated XXXX provided and entered into LM. - Due Diligence Vendor-08/06/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940513 |  |  | Closed | 2025-07-30 08:18 | 2025-08-11 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Updated VVOE provided, resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Corrected vvoe - Due Diligence Vendor-08/XX/2025 <br>Counter-Document provided states establishment primary status is closed. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-voe - Due Diligence Vendor-08/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE dated within 10 days of close. - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Updated VVOE provided, resolved. - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940513 |  |  | Closed | 2025-07-30 12:50 | 2025-08-04 18:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC form provided. Mavent and PC XXXX are passing. Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-coc - Due Diligence Vendor-08/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fired due to Loan origination fee that increased from XXXX on revised LE, Missing COC form. - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 <br> Open- - Due Diligence Vendor-07/XX/2025 | Resolved-COC form provided. XXXX and PC XXXX are passing. Resolved - Due Diligence Vendor-08/04/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940472 |  |  | Closed | 2025-07-31 13:52 | 2025-08-15 12:31 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Signed initial 1003 provided , finding resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-Finding is concerning the Initial 1003, not the final 1003. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-LO signature is not rquired on final 1003 - Buyer-08/XX/2025 <br>Open-initial 1003 available in page no #455, Loan officer signature is missing. - Due Diligence Vendor-07/XX/2025 | Resolved-Signed initial 1003 provided , finding resolved. - Due Diligence Vendor-08/15/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940481 |  |  | Closed | 2025-08-01 10:25 | 2025-08-11 17:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form provided and updated to TRID header page. Mavent is passing, resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. COC attached. - Seller-08/XX/2025 <br> Counter-missing Change of Circumstance for revised LE dated XXXX for increase in Discount points from XXXX to XXXX, increase in Origination fee from XXXX and increase in transfer taxes from XXXX - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-this is an erroneous condition as the removed the fee. per the condition it states cannot increase category. fees did not increase but a fee was removed but it doesn't appear to fall in the category. - Seller-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Loan Origination Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-COC form provided and updated to TRID header page. XXXX is passing, resolved. - Due Diligence Vendor-08/11/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940481 |  |  | Closed | 2025-07-31 08:24 | 2025-08-01 10:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Cd Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-07/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file - Due Diligence Vendor-07/XX/2025 | Resolved-Initial Cd Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940481 |  |  | Closed | 2025-07-31 06:38 | 2025-08-01 06:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. attached - Seller-07/XX/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Google search at page #XXXX is not with in 10 business days closing, missing VOE within 10 days of closing is missing in file - Due Diligence Vendor-07/XX/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940481 |  |  | Closed | 2025-08-01 10:25 | 2025-08-11 17:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved- This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'212<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#27-38<br> ECOA Appraisal Disclosure OR the LE's page as the page#347.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 13<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (10.873%) APR equals or exceeds the Federal HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'212<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#27-38<br> ECOA Appraisal Disclosure OR the LE's page as the page#347.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 13<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-08/11/2025 <br>Resolved- This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'212<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#27-38<br> ECOA Appraisal Disclosure OR the LE's page as the page#347.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 13<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/01/2025 <br>Resolved-The loan's (10.873%) APR equals or exceeds the Federal HPML threshold of (10.17%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly.<br> All disclosures, COC's, Fees, and dates are entered correctly.<br> Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only.<br> Final Closing disclosure on Pg#'212<br> Rate lock date was entered correctly – see Pg#'s 82<br> An interior and exterior appraisal was completed for this property – see pg#27-38<br> ECOA Appraisal Disclosure OR the LE's page as the page#347.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 13<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/01/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940493 |  |  | Closed | 2025-08-04 20:06 | 2025-08-11 22:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative Provided, Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. XXXX uploaded - Buyer-08/XX/2025 <br> Counter-The CPA letter provided is already in file. The missing document is the Self-Employed Business Narrative. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-08/XX/2025 <br> Open-The Self-Employed Business Narrative is missing. - Due Diligence Vendor-08/XX/2025 | Resolved-Business Narrative Provided, Resolved - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907070 |  |  | Closed | 2025-08-01 10:18 | 2025-08-07 03:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.582%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _405___ and the Final Closing disclosure on Pg#'s 405____ reflects escrows. Rate lock date was entered correctly – see Pg#'s _853____ An interior and exterior appraisal was completed for this property – see pg _69___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__56, 1286_ , and copy of the appraisal was given to the borrower – see Pg#'s _859____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (10.582%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _405___ and the Final Closing disclosure on Pg#'s 405____ reflects escrows. Rate lock date was entered correctly – see Pg#'s _853____ An interior and exterior appraisal was completed for this property – see pg _69___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__56, 1286_ , and copy of the appraisal was given to the borrower – see Pg#'s _859____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-08/01/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907072 |  |  | Closed | 2025-08-05 14:49 | 2025-08-07 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. Please review upload. - Buyer-08/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/05/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907072 |  |  | Closed | 2025-08-07 08:30 | 2025-08-07 08:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure (XXXX) has increased by more than 10% over the current baseline value of ($708.00). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Closing Protection Letter). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-08/XX/2025 | Resolved-Resolved - Due Diligence Vendor-08/07/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907072 |  |  | Closed | 2025-08-04 03:50 | 2025-08-07 08:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-08/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Missing in the file. Provide along w/ any change of circumstances which are applicable to the file. - Due Diligence Vendor-08/XX/2025 | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907077 |  |  | Closed | 2025-08-05 14:20 | 2025-08-07 14:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-CD provided and entered into LM. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload. - Buyer-08/XX/2025 <br> Open-TRID: Missing Closing Disclosure There is a COC in the file for XXXX, however no corresponding CD was provided. Pls provide. - Due Diligence Vendor-08/XX/2025 | Resolved-CD provided and entered into LM. - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907077 |  |  | Closed | 2025-08-05 05:50 | 2025-08-07 14:45 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-LE delivered w/in 3 business days. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open-Initial LE sent onXXXX which is with in 3 business days from application date. - Due Diligence Vendor-08/XX/2025 <br> Rescinded- - Due Diligence Vendor-08/XX/2025 <br> Rescinded- - Due Diligence Vendor-08/XX/2025 <br> Rescinded-. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Rescinded-The Initial Loan Estimate Disclosure Date XXXX) is more than 3 business days from the Application Date (2025-05-20). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) Condition for missing initial LE to replace this condition. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-LE delivered w/in 3 business days. - Due Diligence Vendor-08/07/2025 <br> Rescinded-. - Due Diligence Vendor-08/06/2025 <br> Rescinded-The Initial Loan Estimate Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) Condition for missing initial LE to replace this condition. - Due Diligence Vendor-08/05/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907077 |  |  | Closed | 2025-08-05 05:59 | 2025-08-07 14:14 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP dated XXXX provided and entered into LM. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Seller-08/XX/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing intent to Procced Missing in the file. - Due Diligence Vendor-08/XX/2025 | Resolved-ITP dated XXXX provided and entered into LM. - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907077 |  |  | Closed | 2025-08-05 04:34 | 2025-08-07 07:54 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Updated title report with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-08/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-08/XX/2025 | Resolved-Requested Updated title report with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-08/07/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/07/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907077 |  |  | Closed | 2025-08-05 06:03 | 2025-08-07 07:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE provided. Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-08/XX/2025 <br>Open-Missing initial Loan estimate. - Due Diligence Vendor-08/XX/2025 | Resolved-Initial LE provided. Resolved - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907077 |  |  | Closed | 2025-08-05 05:50 | 2025-08-07 17:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # IEAD and the Final Closing disclosure on Pg#'s129, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s374, An interior and exterior appraisal was completed for this property – see pg# 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 14and confirmation the appraisal was delivered to the borrower – see Pg#'s 372. The loan meets HPML guidelines, - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Rescinded-. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (12.321%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) Equity File IED Not available .<br>This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # IEAD and the Final Closing disclosure on Pg#'s129, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s374, An interior and exterior appraisal was completed for this property – see pg# 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 14and confirmation the appraisal was delivered to the borrower – see Pg#'s 372. The loan meets HPML guidelines, - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-. - Due Diligence Vendor-08/07/2025 <br>Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-08/07/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # IEAD and the Final Closing disclosure on Pg#'s129, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s374, An interior and exterior appraisal was completed for this property – see pg# 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 14and confirmation the appraisal was delivered to the borrower – see Pg#'s 372. The loan meets HPML guidelines, - Due Diligence Vendor-08/07/2025 <br>Rescinded-. - Due Diligence Vendor-08/06/2025 <br>Resolved-The loan's (12.321%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) Equity File IED Not available .<br>This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # IEAD and the Final Closing disclosure on Pg#'s129, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s374, An interior and exterior appraisal was completed for this property – see pg# 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 14and confirmation the appraisal was delivered to the borrower – see Pg#'s 372. The loan meets HPML guidelines, - Due Diligence Vendor-08/05/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907102 |  |  | Closed | 2025-08-04 07:15 | 2025-08-07 08:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested Self Employed Business Narrative Provided, Updated & Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-08/XX/2025 <br>Open-Required Business Narrative document. - Due Diligence Vendor-08/XX/2025 | Resolved-Requested Self Employed Business Narrative Provided, Updated & Condition resolved. - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907102 |  |  | Closed | 2025-08-04 05:46 | 2025-08-07 08:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Lender Worksheet for Income Calculation provided, Updated & Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload. - Buyer-08/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Required Lender Income worksheet. - Due Diligence Vendor-08/XX/2025 | Resolved-Requested Lender Worksheet for Income Calculation provided, Updated & Condition resolved. - Due Diligence Vendor-08/07/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5916428 |  |  | Closed | 2025-08-04 06:55 | 2025-08-07 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party Provided that is verified within the 10 Business days from closing, Updated & Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-08/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close Missing in file - Due Diligence Vendor-08/XX/2025 | Resolved-Requested 3rd Party Provided that is verified within the 10 Business days from closing, Updated & Condition resolved. - Due Diligence Vendor-08/07/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940482 |  |  | Closed | 2025-08-06 09:09 | 2025-08-12 22:08 | Resolved | 1 - Information C A | Compliance | Late:Grace | Maryland - Minimum Grace Period (Interest & Usury) | Resolved-Per compliance as this is a second lien the grace period fail does not apply. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-While we would agree with them that this pertains to 1st mortgages, this was a second mortgage, so please direct them to § 12-405, which provides that for second mortgages, <br> (c)(1) A lender may collect from the borrower a delinquent or late charge of the greater of $2 or 5 percent of the amount of any delinquent or late periodic installment, if:<br> (i) The delinquency has continued for at least 10 days; and<br> (ii) A delinquent or late charge has not already been charged for the same delinquency.<br>We had the same condition on 5250490313 Boxley Drew in June and was cleared with the above.<br>- Buyer-08/XX/2025 <br> Open-The late fee grace period is (10.0). The XXXX Interest and Usury Act prohibits a late charge being imposed before the delinquency has continued for at least 15 days. (MD COML 12-105(c)(3)) This is State specific finding. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Per compliance as this is a second lien the grace period fail does not apply. - Due Diligence Vendor-08/12/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940482 |  |  | Closed | 2025-08-06 08:10 | 2025-08-12 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report that is within the 10 Business days from closing provided, updated & condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. UDM attached. - Buyer-08/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-08/XX/2025 | Resolved-Requested Gap Credit Report that is within the 10 Business days from closing provided, updated & condition resolved. - Due Diligence Vendor-08/12/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940494 |  |  | Closed | 2025-08-11 16:19 | 2025-08-13 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 provided. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. 1008 attached - Buyer-08/12/2025 <br>Open-1008 Document is Missing The 1008 was in the file, however the qualifying FICO score was missing. - Due Diligence Vendor-08/11/2025 | Resolved-1008 provided. - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | XXXX | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940497 |  |  | Closed | 2025-08-06 13:31 | 2025-08-13 09:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial & Revised Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Updated - Buyer-08/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the Mavent. Provide the initial CD and any applicable change of circumstances. - Due Diligence Vendor-08/XX/2025 | Resolved-Initial & Revised Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940500 |  |  | Closed | 2025-08-12 19:51 | 2025-08-18 14:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Condition resolved as per Master policy provided. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. HOI policy is an HO6, walls in only and master policy uploaded, we should be good as HO6 policies will not have an RCE. - Buyer-08/XX/2025 <br> Open-Hazard Insurance Coverage Amount of $XX is less than Required Coverage Amount of XXXX and Guaranteed Replacement Coverage indicator is 'No' Per HOI policy replacement cost coverage is up to the dwelling limit (XXXX) and does not include additional replacement cost protection. There was not a Replacement Cost Estimate in the file.<br> The loan amount is XXXX. - Due Diligence Vendor-08/XX/2025 | Resolved-Condition resolved as per Master policy provided. - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940500 |  |  | Closed | 2025-08-07 07:39 | 2025-08-14 13:35 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. PCCD documents uploaded - Buyer-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-4 unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code 2948.5) - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Resolved - Due Diligence Vendor-08/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940491 |  |  | Closed | 2025-08-12 20:20 | 2025-08-21 20:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approved - not needed per XXXX guidelines, but was included in doc package. - Due Diligence Vendor-08/XX/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception in file on page #554 for "Exception due to less than 6 months seasoning since last mortgage transaction refinance for subject property.", Recommends waiving. - Due Diligence Vendor-08/XX/2025 | Waived-Exception Approved - not needed per XXXX guidelines, but was included in doc package. - Due Diligence Vendor-08/21/2025<br>|  |  | Borrower(s) have XXXX months Reserves. Minimum required per guidelines is 0 months.<br> DTI is XXXX. Maximum allowed per guidelines is 50%.<br> LTV is XXXX. Maximum allowed per guidelines is 90%. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5907069 |  |  | Closed | 2025-08-12 10:57 | 2025-08-14 13:31 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved-Mortgage Statement for the 1st lien provided to show that escrows are in place there. This subject mortgage is a 2nd lien. Loan does meet HPML guidelines. Resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Escrows are already on 1st lien - Seller-08/XX/2025 <br> Counter-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is NOT Escrowing per the Final Closing disclosure on Pg #265, reflecting no escrows. Rate lock date was entered correctly – see Pg #561 & #580 & #862. An interior and exterior appraisal was completed for this property – see Pg #27-65, the appraisal disclosure was provided to the borrower(s)- see Pg #66, and confirmation the appraisal was delivered to the borrower – see Pg in the Findings. Loan DOES NOT meet HPML guidelines. Per the Audit Worksheet Condensed for Web dated 7/XX/2025 3:12:09PM (page 13 of 25) "This loan FAILS the Higher-Priced Mortgage Loan (HPML) test by 0.762%." HPML loan that is non-escrowed. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Seller-08/XX/2025 <br> Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)). In order to meet HPML guidelines, Confirmation the Appraisal was delivered to the borrower is missing. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) . - Due Diligence Vendor-08/14/2025 <br> Resolved-Mortgage Statement for the 1st lien provided to show that escrows are in place there. This subject mortgage is a 2nd lien. Loan does meet HPML guidelines. Resolved. - Due Diligence Vendor-08/14/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907069 |  |  | Closed | 2025-08-12 10:57 | 2025-08-14 13:31 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.012%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-Mortgage Statement for the 1st lien provided to show that escrows are in place there. This subject mortgage is a 2nd lien. Loan does meet HPML guidelines. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Escrows are already on 1st lien - Buyer-08/XX/2025 <br>Counter-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is NOT Escrowing per the Final Closing disclosure on Pg #265, reflecting no escrows. Rate lock date was entered correctly – see Pg #561 & #580 & #862. An interior and exterior appraisal was completed for this property – see Pg #27-65, the appraisal disclosure was provided to the borrower(s)- see Pg #66, and confirmation the appraisal was delivered to the borrower – see Pg in the Findings. Loan DOES NOT meet HPML guidelines. Per the Audit Worksheet Condensed for Web dated 7/XX/2025 3:12:09PM (page 13 of 25) "This loan FAILS the Higher-Priced Mortgage Loan (HPML) test by 0.762%." HPML loan that is non-escrowed. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/XX/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.014%) equals or exceeds the California HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.75%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)). In order to meet HPML guidelines, Confirmation the Appraisal was delivered to the borrower is missing. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (11.012%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-08/14/2025 <br>Resolved-Mortgage Statement for the 1st lien provided to show that escrows are in place there. This subject mortgage is a 2nd lien. Loan does meet HPML guidelines. Resolved. - Due Diligence Vendor-08/14/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907069 |  |  | Closed | 2025-08-12 10:57 | 2025-08-12 21:16 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Settlement Statement shows the $XXXX Escrow Fee to be for "doc preparation." Mavent updated. Doc Prep removed from Prepaid Finance Charges & now passes. Issue resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-08/XX/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1). Audit's Prepaid Finance Charges are $10,417.35 compared to the Lender's $XXXX. Audit's Prepaid Finance Charges are: Admin Fee ($175.00) + Originator Fee($7500) + Processing Fee ($XXXX) + Underwriting Fee ($XXXX) + Flood Certification ($XXXX) + Closing/Escrow Fee #1 ($XXXX) + Closing/Escrow Fee #2 ($60) + Recording Service Fee ($XXXX) + Prepaid Interest ($XXXX) = $XXXX. It appears that the Lender did not capture the second Escrow Fee ($XXXX) or Flood Cert ($XXXX), but did capture a Title Endorsement ($XXXX) that the Audit did not count. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Settlement Statement shows the $XXXX Escrow Fee to be for "doc preparation." Mavent updated. Doc Prep removed from Prepaid Finance Charges & now passes. Issue resolved. - Due Diligence Vendor-08/12/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907069 |  |  | Closed | 2025-08-12 10:57 | 2025-08-12 21:10 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Initial LE provided. Mavent updated. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-08/XX/2025 <br> Open-• The Application Date, per the Initial 1003 is XXXX. The earliest LE on file is dated XXXX. The Initial LE (within 3 days of application date) is still missing from the file. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Initial LE provided. Mavent updated. - Due Diligence Vendor-08/12/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907069 |  |  | Closed | 2025-08-07 15:56 | 2025-08-12 12:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated XXXX was received. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. ICD attached. - Seller-08/XX/2025 <br> Open-TRID: Missing Closing Disclosure • The file is missing, at a minimum, the Initial CD. Unable to run a compliance test without it. The only TRID documents provided was the Initial LE dated XXXX and the Final CD dated XXXX. - Due Diligence Vendor-08/XX/2025 | Resolved-Initial CD dated XXXX was received. - Due Diligence Vendor-08/12/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961451 |  |  | Closed | 2025-08-13 11:27 | 2025-08-18 16:12 | Waived | 2 - Non-Material B | Property | Property | Property Marketability Issues | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX agrees with this exception - Buyer-08/XX/2025 <br> Open-Exception 2. Rent control. Property is in XXXX. Page 2 of appraisal<br> refers to the standard max rental increase XXXX statute. AV and rental income supported. Comps have<br> minimal adjustments. CDA not required, but obtained and does support value as well. - Due Diligence Vendor-08/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/18/2025<br>|  |  | LTV is 17.52%. Maximum allowed per guidelines is 75%.<br> Credit Score is XXXX. Minimum required per guidelines is 700. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5961451 |  |  | Closed | 2025-08-13 11:22 | 2025-08-18 16:11 | Waived | 2 - Non-Material B | Credit | Income/Employment | Potential Employment/income Issues identified in the file | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX agrees with this exception - Buyer-08/XX/2025 <br> Open-Exception 1: Using rental income for bank statement program where rental<br> income is deposited into qualifying account. See leases and excel printout in the lease folder. The<br> investment property, XXXX, is a mulit unit commercial building that is a mix of commercial<br> and residential units. Also using $1850 for the rental income of the second unit of borrower's primary<br> (subject property). The monthly total rental income between these two properties is $13780.00, or<br> $165360 annually. This annual figure has been subtracted from the bank statement deposits prior to<br> the income calculation. Subtracting $165360 and then taking the 21% exp ratio leads to a S/E bank<br> statement qualifying income of $2324.97 per month. Borrower paying off almost all consumer debt.<br> Residual over $4k per month. DTI of 46%. Mid FICO 726. 12 months personal bank statements.<br> Narrative states the business is a combination of the rental income and handman work. CTEC letter<br> validates a 21% expense ratio for handman work. Essentially, the $2324.97 qualifying income is the<br> handman work calculation since all rental deposits have been deducted. Pending documenting length<br> of time S/E as a handman (URLA states 20 years) Netting over $100k after debt payoffs, sourcing 26+<br> months in reserves. - Due Diligence Vendor-08/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/18/2025<br>|  |  | LTV is 17.52%. Maximum allowed per guidelines is 75%.<br> Credit Score is XXXX. Minimum required per guidelines is 700.<br>| XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5961451 |  |  | Closed | 2025-08-10 10:03 | 2025-08-19 12:20 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 provided. Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Missing qualifying FICO score on 1008 provided. - Due Diligence Vendor-08/XX/2025 | Resolved-Updated 1008 provided. Resolved - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940496 |  |  | Closed | 2025-08-08 14:58 | 2025-08-13 17:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (XXXX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, it is a 2nd lien and loan information is on Pg#261 and the Final Closing disclosure on Pg#'s 64. Rate lock date was entered correctly – see Pg#'s 261. An interior and exterior appraisal was completed for this property – see pg# 14, 25 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 8, and confirmation the appraisal was delivered to the borrower – see Pg#'s 309. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX%) equals or exceeds the California HPML threshold of (10XXXX.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, it is a 2nd lien and loan information is on Pg#261 and the Final Closing disclosure on Pg#'s 64. Rate lock date was entered correctly – see Pg#'s 261. An interior and exterior appraisal was completed for this property – see pg# 14, 25 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 8, and confirmation the appraisal was delivered to the borrower – see Pg#'s 309. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/08/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940496 |  |  | Closed | 2025-08-08 14:58 | 2025-08-13 17:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.904%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, it is a 2nd lien and loan information is on Pg#261 and the Final Closing disclosure on Pg#'s 64. Rate lock date was entered correctly – see Pg#'s 261. An interior and exterior appraisal was completed for this property – see pg# 14, 25 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 8, and confirmation the appraisal was delivered to the borrower – see Pg#'s 309. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (12.904%) APR equals or exceeds the Federal HPML threshold of (10.27%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, it is a 2nd lien and loan information is on Pg#261 and the Final Closing disclosure on Pg#'s 64. Rate lock date was entered correctly – see Pg#'s 261. An interior and exterior appraisal was completed for this property – see pg# 14, 25 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 8, and confirmation the appraisal was delivered to the borrower – see Pg#'s 309. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/08/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907073 |  |  | Closed | 2025-08-08 11:59 | 2025-08-18 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Provided. Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. See attached operating authority status for borrower 2 employer Roman Hernandez. Also dated 7/29 and showing Active - Buyer-08/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-08/XX/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/18/2025 <br>Resolved-Borrower 2 3rd Party VOE Provided. Resolved - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907073 |  |  | Closed | 2025-08-08 11:46 | 2025-08-18 12:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-08/XX/2025 | Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940471 |  |  | Closed | 2025-08-13 15:55 | 2025-08-19 17:14 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-PDI Provided, Resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Please see XXXX report with notes stating there is no damage to the subject or surrounding homes - Buyer-08/XX/2025 <br> Open-Property potentially affected by FEMA Disaster XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-08/XX/2025 | Resolved-PDI Provided, Resolved. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940471 |  |  | Closed | 2025-08-13 15:59 | 2025-08-19 17:14 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-PDI Provided, Resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Please see clear XXXX with notes stating there is no damage to the subject or surrounding homes - Buyer-08/XX/2025 <br> Open-Property potentially affected by FEMA Disaster XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-08/XX/2025 | Resolved-PDI Provided, Resolved. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940471 |  |  | Closed | 2025-08-13 13:47 | 2025-08-19 17:14 | Waived | 2 - Non-Material C B | Property | Property | Property or house size is outside of guidelines | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Unable to Resolve-Unable to Resolve-Dh agrees with this exception - Buyer-08/XX/2025 <br>Open-Exception page #1693 is made for collateral 2.14 acres vs 2 Max and for CFPB indicating rural or underserved. Subject appraisal indicates suburban and aerial photos confirm suburban residential setting. Subject is surrounded by other SFR on similarly sized lots, no indication of farming or mixed use. Subject shows well and similar comps located nearby in support of value - Due Diligence Vendor-08/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/19/2025<br>|  |  | LTV is 65.19%. Maximum allowed per guidelines is 80%.<br> Residual Income is XXXX. Minimum Residual Income required per guidelines is $2500. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5961453 |  |  | Closed | 2025-08-19 14:47 | 2025-09-30 21:52 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Washington - Discount Points | Resolved-LOE received - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-09/XX/2025 <br> Counter-Lender provide HUD-1 Settlement Statement matching the executed XXXX CD with no fees in section A in file. However, there is an additional executed CD dated XXXX in file with fees included. Provide LOX as to which CD used and explanation. Subject to additional conditions upon review of response. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. They did not close or fund with those fees - Seller-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The XXXX Administrative Code requires the discount points actually lower the rate. The note rate (9.375%) is not lower than the undiscounted rate (0.0%). XXXX). . - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-LOE received - Due Diligence Vendor-09/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961453 |  |  | Closed | 2025-08-19 14:47 | 2025-09-30 21:51 | Resolved | 1 - Information C A | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Resolved-LOE received - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-09/XX/2025 <br> Counter-Lender provide HUD-1 Settlement Statement matching the executed XXXX CD with no fees in section A in file. However, there is an additional executed CD dated XXXX in file with fees included. Provide LOX as to which CD used and explanation. Subject to additional conditions upon review of response. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. client provided final SS with those fees removed - Buyer-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Rescinded-Data entry error. Corrected. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX . - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-LOE received - Due Diligence Vendor-09/30/2025 <br>Rescinded-Data entry error. Corrected. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961453 |  |  | Closed | 2025-08-19 16:06 | 2025-09-30 21:50 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Compliance Passed with dates entered - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-09/XX/2025 <br> Counter-Lender provided same CD in file dated XXXX. Condition unresolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Compliance Passed with dates entered - Due Diligence Vendor-09/30/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961453 |  |  | Closed | 2025-08-11 13:05 | 2025-08-19 16:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Loan Estimate Deficiency | Resolved-Lender provided Revised LE and COC. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. attached LE and COC - Seller-08/XX/2025 <br>Open-Provide LE. Subject to additional conditions upon review. - Due Diligence Vendor-08/XX/2025 | Resolved-Lender provided Revised LE and COC. Condition resolved. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961453 |  |  | Closed | 2025-08-11 10:57 | 2025-08-19 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Provided. Resolved - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. attached. - Seller-08/18/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/11/2025 | Resolved-Borrower 1 3rd Party VOE Provided. Resolved - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961453 |  |  | Closed | 2025-08-11 10:57 | 2025-08-19 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Provided. Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. VOE attached. - Seller-08/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/XX/2025 | Resolved-Borrower 2 3rd Party VOE Provided. Resolved - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940490 |  |  | Closed | 2025-08-11 08:51 | 2025-08-20 09:17 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDM Provided for Gap Report which is within the 10 Business days from the Closing date, Updated & Condition Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload. - Seller-08/XX/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired which is more than 10 Business day, Per Guideline Required With in 10 Business Days. - Due Diligence Vendor-08/XX/2025 | Resolved-UDM Provided for Gap Report which is within the 10 Business days from the Closing date, Updated & Condition Resolved. - Due Diligence Vendor-08/20/2025 <br>Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-08/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940490 |  |  | Closed | 2025-08-11 08:51 | 2025-08-20 09:17 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDM Provided for Gap Report which is within the 10 Business days from the Closing date, Updated & Condition Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-08/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired which is more than 10 Business day, Per Guideline Required With in 10 Business Days. - Due Diligence Vendor-08/XX/2025 | Resolved-UDM Provided for Gap Report which is within the 10 Business days from the Closing date, Updated & Condition Resolved. - Due Diligence Vendor-08/20/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/20/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940490 |  |  | Closed | 2025-08-11 08:51 | 2025-08-20 09:16 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-08/XX/2025 <br> Resolved-Updated 1008 provided. Resolved - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. 1008 attached. - Buyer-08/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is '' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The qualifying FICO score is XXXX, however the FICO score is missing from the 1008 document. - Due Diligence Vendor-08/XX/2025 | Resolved-Validation Resolved - Due Diligence Vendor-08/20/2025 <br>Resolved-Updated 1008 provided. Resolved - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940490 |  |  | Closed | 2025-08-14 18:34 | 2025-08-18 14:12 | Resolved | 1 - Information C A | Compliance | Closing | Loan Origination Company NMLS Status is not tied to Loan Originator NMLS | Resolved-XXXX information provided and finding resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. please see attached. - Seller-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-XXX information provided and finding resolved. - Due Diligence Vendor-08/18/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940490 |  |  | Closed | 2025-08-11 08:20 | 2025-08-18 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Provided. Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. VOEs attached for both Albert and Janinie - Seller-08/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE is more than 10 Business days, Required VOE. - Due Diligence Vendor-08/XX/2025 | Resolved-Borrower 1 3rd Party VOE Provided. Resolved - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907121 |  |  | Closed | 2025-08-12 04:42 | 2025-08-18 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-08/XX/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Calculated Income after excluding all disallowable deposits is $XXXX which is not matching with the 1003 Income of $XXXX, Provide you income calculation on how your income is $XXXX.<br> - Due Diligence Vendor-08/XX/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907093 |  |  | Closed | 2025-08-12 07:04 | 2025-08-20 11:22 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided with disbursement date of 7/31. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload (PCCD doesn't need to be signed) - Buyer-08/XX/2025 <br> Counter-PCCD provided is not in current loan file and is not signed. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. the PCCD has a disbursement date of XXXX and they signed XXXX. Please make sure the reviewer is looking at the most recent cd in the file which would be the pccd – attached for reference. - Buyer-08/XX/2025 <br> Open-The loan disbursement date (2025-07-30) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Loan disbursed on XXXX, right to cancel date on XXXX. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-PCCD provided with disbursement date of XXXX. - Due Diligence Vendor-08/20/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A |
| XXXX | 5907085 |  |  | Closed | 2025-08-12 12:42 | 2025-08-25 15:32 | Resolved | 1 - Information C A | Compliance | Fees:Limited | New Jersey - Origination Fee (RMLA)(Junior Lien) | Resolved-PCCD provided with cure. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Refund and PCCD - Seller-08/XX/2025 <br> Open-The total loan origination fees of ($7,256.25), which includes fees submitted as an Origination Fee, Loan Discount, 203(k) Supplemental Origination Fee, 203(k) Discount on Repairs, and Temporary Buy Down Fee, exceeds the ($6,450.00) threshold. The XXXX prohibits loan origination fees greater than 3% of the "principal amount of the loan" on secondary mortgage loans. The "principal amount of the loan" means the total amount of credit extended excluding financed loan origination fees. (XXXX) Confirmed this is State based finding. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-PCCD provided with cure. - Due Diligence Vendor-08/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907085 |  |  | Closed | 2025-08-12 12:50 | 2025-08-21 08:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership counseling disclosure document provided. - Due Diligence Vendor-08/XX/2025 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-08/XX/2025 <br> Open-Signature is missing on provided Homeownership counseling disclosure page #208. - Due Diligence Vendor-08/XX/2025 | Resolved-Homeownership counseling disclosure document provided. - Due Diligence Vendor-08/21/2025 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) - Due Diligence Vendor-08/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907085 |  |  | Closed | 2025-08-12 12:08 | 2025-08-19 17:51 | Acknowledged | 1 - Information C A | Credit | Borrower | Borrower 2 Ethnicity Selection is Not Provided | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/19/2025 <br>Ready for Review-this can we be downgraded to a grade 2 - Buyer-08/18/2025 <br>Open-Borrower 2 Ethnicity Selection is Not Provided Borrower 2 ethnicity Selection is not provided. - Due Diligence Vendor-08/12/2025 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/19/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5907085 |  |  | Closed | 2025-08-12 10:57 | 2025-08-19 17:50 | Acknowledged | 1 - Information C A | Credit | Borrower | Borrower 2 Race Selection is Not Provided | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/19/2025 <br>Ready for Review-this can we be downgraded to a grade 2 - Buyer-08/18/2025 <br>Open-Borrower 2 Race Selection is Not Provided Borrower 2 Race selection is not provided. - Due Diligence Vendor-08/12/2025 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/19/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5907085 |  |  | Closed | 2025-08-12 10:57 | 2025-08-19 17:50 | Acknowledged | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/19/2025 <br>Ready for Review-this can we be downgraded to a grade 2 - Buyer-08/18/2025 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 Ethnicity selection is not provided. - Due Diligence Vendor-08/12/2025 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/19/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5907085 |  |  | Closed | 2025-08-12 10:57 | 2025-08-19 17:50 | Acknowledged | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/19/2025 <br>Ready for Review-this can we be downgraded to a grade 2 - Seller-08/18/2025 <br>Open-Borrower 1 Race Selection is Not Provided Borrower 1 Race selection is Not Provided - Due Diligence Vendor-08/12/2025 | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/19/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5907085 |  |  | Closed | 2025-08-12 12:42 | 2025-08-12 12:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.37%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 223 An interior and exterior appraisal was completed for this property – see pg 41 , the appraisal disclosure was provided to the borrower(s)- see Pg#'28, and copy of the appraisal was given to the borrower – see Pg#'s 32 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (10.37%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 223 An interior and exterior appraisal was completed for this property – see pg 41 , the appraisal disclosure was provided to the borrower(s)- see Pg#'28, and copy of the appraisal was given to the borrower – see Pg#'s 32 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/12/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940506 |  |  | Closed | 2025-08-14 22:24 | 2025-08-21 18:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Approves per adjustment on rate lock - Seller-08/XX/2025 <br> Open-Audited FICO of XXXX is less than Guideline FICO of 680 Exception in file (pg 260) for XXXX FICO below guideline min of 680 for XXXX Equity Elite guidelines. - Due Diligence Vendor-08/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/21/2025<br>|  |  | 68.519%CLTV. Max CLTV 75%CLTV<br> 0x30 Mtg pay history for over 48 months. Min 0x30 within the past 12 months. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5940506 |  |  | Closed | 2025-08-14 22:49 | 2025-08-21 15:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock from XXXX as stated is acceptable per XXXX. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-lock is correct as equity advantage and does not need to be updated. 1008 is paramount internal program. - Buyer-08/XX/2025 <br> Open-Evidence of Rate Lock Missing Provide XXXX rate lock indicating correct loan program as XXXX Elite as indicated on lender 1008. - Due Diligence Vendor-08/XX/2025 | Resolved-Rate lock from XXXX as stated is acceptable per XXXX. Condition resolved. - Due Diligence Vendor-08/21/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940506 |  |  | Closed | 2025-08-12 08:11 | 2025-08-21 14:15 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided CD hand dated with receipt date of XXXX. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-08/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial Closing Disclosure received on XXXX is not three business days prior to the consummation date of XXXX. The correct date, three business days before consummation, is XXXX. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Lender provided CD hand dated with receipt date of XXXX. Condition resolved. - Due Diligence Vendor-08/21/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940506 |  |  | Closed | 2025-08-12 08:11 | 2025-08-21 14:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (10.944%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s217 and the Final Closing disclosure on Pg#'s217, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 416. An interior and exterior appraisal was completed for this property – see pg# 41-57 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 24, 27, and confirmation the appraisal was delivered to the borrower – see Pg#'s 490. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (10.944%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s217 and the Final Closing disclosure on Pg#'s217, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 416. An interior and exterior appraisal was completed for this property – see pg# 41-57 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 24, 27, and confirmation the appraisal was delivered to the borrower – see Pg#'s 490. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/12/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940476 |  |  | Closed | 2025-08-14 19:31 | 2025-08-18 14:49 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Lender provided initial CD. Condition Resolved. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. ICD uploaded - Buyer-08/XX/2025 <br> Open-You submitted a Last Closing Disclosure Received Date (XXXX) earlier than the Last Closing Disclosure Date Issued (XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) Provide Initial CD - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Lender provided initial CD. Condition Resolved. - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940476 |  |  | Closed | 2025-08-14 19:31 | 2025-08-18 14:30 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Initial CD. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. ICD uploaded - Buyer-08/XX/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Lender provided Initial CD. Condition resolved. - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940476 |  |  | Closed | 2025-08-12 05:32 | 2025-08-18 09:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 with corrected qualifying income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/XX/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded - Seller-08/XX/2025 <br> Open-The Final 1003 is Incomplete Required updated Final 1003 document As Final 1008 and Loan approval income updated as $ XXXX however final 1003 mentioned as $ XXXX. - Due Diligence Vendor-08/XX/2025 | Resolved-Updated Final 1003 with corrected qualifying income uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907062 |  |  | Closed | 2025-08-14 16:16 | 2025-08-28 11:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/27/2025 <br>Open-Missing rate lock in file reflecting non warrantable condo. Single entity owns 50% of units - Due Diligence Vendor-08/14/2025 |  | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907061 |  |  | Closed | 2025-08-12 19:14 | 2025-08-27 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Second lien and LTv info mis match in 1008, provided updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-08/XX/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please see 1008 - Buyer-08/XX/2025 <br>Open-The 1008 document is missing from the loan file. Provide updated 1008 to include 1st lien P&I and Lien amount. Primary housing expenses, all other monthly payments, CLTV and HCLTV are incorrect under 1008, we need updated 1008. - Due Diligence Vendor-08/XX/2025 | Resolved-Second lien and LTv info mis match in 1008, provided updated 1008, changes made in system, Finding Resolved - Due Diligence Vendor-08/27/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/27/2025<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907099 |  |  | Closed | 2025-08-13 10:59 | 2025-08-13 11:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.461%) APR equals or exceeds the Federal HPML threshold of (10.29%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, loan is 2nd lien, taxes and insurance are associated with first lien and loan information is on Pg#'s 431 and the Final Closing disclosure on Pg#'s 205. Rate lock date was entered correctly – see Pg#'s 431. An interior and exterior appraisal was completed for this property – see pg# 41, 55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 357, and confirmation the appraisal was delivered to the borrower – see Pg#'s 187. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (10.461%) APR equals or exceeds the Federal HPML threshold of (10.29%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, loan is 2nd lien, taxes and insurance are associated with first lien and loan information is on Pg#'s 431 and the Final Closing disclosure on Pg#'s 205. Rate lock date was entered correctly – see Pg#'s 431. An interior and exterior appraisal was completed for this property – see pg# 41, 55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 357, and confirmation the appraisal was delivered to the borrower – see Pg#'s 187. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/13/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907113 |  |  | Closed | 2025-08-13 09:47 | 2025-08-19 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM Provided for Gap Credit Report, which is within the 10 days from closing hence condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. see attached undisclosed debt monitoring - Buyer-08/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing As per GL 04/XX/2025 pg no: 59 need a GAP report with in 10days of closing date which is missing in the file. Provide the same<br>- Due Diligence Vendor-08/XX/2025 | Resolved-Requested UDM Provided for Gap Credit Report, which is within the 10 days from closing hence condition resolved. - Due Diligence Vendor-08/19/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940501 |  |  | Closed | 2025-08-19 20:02 | 2025-08-21 16:12 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. UDM uploaded for review. - Buyer-08/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report provided in file is more than 10 business days from closing. - Due Diligence Vendor-08/XX/2025 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-08/21/2025<br>| XXXX |  | Lender provided up to date UDM report. Finding resolved. | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5940501 |  |  | Closed | 2025-08-14 05:05 | 2025-08-21 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculation Worksheet Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Income WS uploaded for review. - Buyer-08/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender income calculation worksheet. - Due Diligence Vendor-08/XX/2025 | Resolved-Requested Income Calculation Worksheet Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/21/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5940501 |  |  | Closed | 2025-08-14 05:05 | 2025-08-21 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Requested 24 Months BBS Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Bank Statements uploaded for review. - Seller-08/XX/2025 <br>Open-Borrower 1 Business Bank Statements Missing We need 12 months Business Bank Statements per GL version 4/28, currently missing from file. - Due Diligence Vendor-08/XX/2025 | Resolved-Requested 24 Months BBS Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/21/2025 <br>Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5907114 |  |  | Closed | 2025-08-15 10:19 | 2025-08-25 16:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved. Final CD includes tolerance cure for increase of closing costs above legal limits. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-We do not issue COCs for lender credits-please clear this - Buyer-08/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of (XXXX) were applied to the total fee variance of ($1,344.80) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing for "lender credit" has increased from Initial CD($0) to Final CD(XXXX).<br> - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Resolved. Final CD includes tolerance cure for increase of closing costs above legal limits. - Due Diligence Vendor-08/25/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940487 |  |  | Closed | 2025-08-15 07:10 | 2025-08-25 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided revised 1008. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/XX/2025 <br>Open-The 1008 document is missing from the loan file. Provide updated 1008 with corrected LTV. LTV currently indicates the CLTV.. - Due Diligence Vendor-08/XX/2025 | Resolved-Lender provided revised 1008. Condition resolved. - Due Diligence Vendor-08/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940486 |  |  | Closed | 2025-08-19 18:19 | 2025-08-22 13:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Resolved-The loan's (10.253%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 75. An interior and exterior appraisal was completed for this property – see pg 26, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 48. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Re-opened due to running Mavent. Status changed back to resolved. - Due Diligence Vendor-08/22/2025 <br>Resolved-The loan's (10.253%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This 2nd lien loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – see Pg#'s 75. An interior and exterior appraisal was completed for this property – see pg 26, per the other considerations section of Initial LE issued within 3 business days from the application date, a copy of the appraisal was given to the borrower – see Pg#'s 48. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/19/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907120 |  |  | Closed | 2025-08-15 16:42 | 2025-08-21 07:48 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with corrected FICO provided. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. XXXX is the correct score. Updated 1008 has been uploaded for review. - Buyer-08/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is 'XXXX and Qualifying FICO from the Credit Liabilities Page is 'XXXX', Fico matches with 1008 when Qualifying Fico selection made as Lowest, Selection made as per GL's as primary Wage earner - Due Diligence Vendor-08/XX/2025 | Resolved-Updated 1008 with corrected FICO provided. - Due Diligence Vendor-08/21/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961454 |  |  | Closed | 2025-08-15 04:26 | 2025-09-04 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-08/XX/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-08/XX/2025 <br>Open-Title Document is missing Provide title document missing in file - Due Diligence Vendor-08/XX/2025 | Resolved-Title document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-08/27/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-08/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961454 |  |  | Closed | 2025-08-27 11:52 | 2025-09-04 13:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-Document Uploaded. Please review upload. - Seller-09/XX/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title Coverage Amount of $XXXXX is Less than Loan Amount - Due Diligence Vendor-08/XX/2025 | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-09/04/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961454 |  |  | Closed | 2025-08-20 13:39 | 2025-08-27 14:34 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Final CD confirmed credit line is paid off. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Please waive - the tradeline balance is more than the credit limit and it's being paid off. We don't have anything in guidelines to require a LOX from the borrower as to why the account is over the limit, etc. - Buyer-08/XX/2025 <br> OpenXXXX balance of $XXXX is greater than limit $XXXX - Due Diligence Vendor-08/XX/2025 | Resolved-Final CD confirmed credit line is paid off. - Due Diligence Vendor-08/27/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961454 |  |  | Closed | 2025-08-15 06:50 | 2025-08-20 13:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.506%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow <br> Final Closing disclosure on Pg#'s 63, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 344<br> An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#' 207<br> and confirmation the appraisal was delivered to the borrower – see Pg#'207. The loan meets HPML guidelines - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (12.506%) APR equals or exceeds the Federal HPML threshold of (10.33%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. <br> Loan is a closed end second lien and is not required to escrow <br> Final Closing disclosure on Pg#'s 63, Finding reflects no escrows. <br> Rate lock date was entered correctly – see Pg#'s 344<br> An interior and exterior appraisal was completed for this property – see pg 13, the appraisal disclosure was provided to the borrower(s)- see Pg#' 207<br> and confirmation the appraisal was delivered to the borrower – see Pg#'207. The loan meets HPML guidelines - Due Diligence Vendor-08/15/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940477 |  |  | Closed | 2025-08-15 04:48 | 2025-08-25 16:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC form provided and updated to TRID header page. Mavent fails cleared. Resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure (XXXX) has increased by more than 10% over the current baseline value of ($538.00). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Abstract Or Title Search Fee, Title Insurance Binder, Recording Service Fee, Tax Status Research Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Fired due to Title - Insurance Binder Fee , Title - Recording Processing Fee, and Title - Tax Certification fee added to the revised LE issued on 7/XX/25. COC form issued on XXXX does not disclose that additional settlement fees were added. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-COC form provided and updated to TRID header page. XXXX fails cleared. Resolved. - Due Diligence Vendor-08/25/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940477 |  |  | Closed | 2025-08-15 04:48 | 2025-08-25 16:35 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC form provided and updated to TRID header page. XXXX fails cleared. Resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Rescinded-The total amount of the 10% category fees (XXXX) has increased by more than 10% over the current baseline value of (XXXX). The total amount of fees in the 10% category cannot exceed ($591.80). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Abstract Or Title Search Fee, Title Insurance Binder, Recording Service Fee, Tax Status Research Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Duplicate finding rescinded. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-COC form provided and updated to TRID header page. XXXX fails cleared. Resolved. - Due Diligence Vendor-08/25/2025 <br> Rescinded-The total amount of the 10% category fees ($661.30) has increased by more than 10% over the current baseline value of ($538.00). The total amount of fees in the 10% category cannot exceed ($591.80). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Abstract Or Title Search Fee, Title Insurance Binder, Recording Service Fee, Tax Status Research Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Duplicate finding rescinded. - Due Diligence Vendor-08/15/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907092 |  |  | Closed | 2025-08-18 13:13 | 2025-08-18 13:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.584%) APR equals or exceeds the Federal HPML threshold of (10.29%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 325 and the Final Closing disclosure on Pg#'s 165 reflects escrows. Rate lock date was entered correctly – see Pg#'s 407 An interior and exterior appraisal was completed for this property – see pg 13-54 , the appraisal disclosure was provided to the borrower(s)- see Pg#'143 , and copy of the appraisal was given to the borrower – see Pg#'s 397 for the copy of the disclosure. The loan meets HPML guideline - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (10.584%) APR equals or exceeds the Federal HPML threshold of (10.29%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 325 and the Final Closing disclosure on Pg#'s 165 reflects escrows. Rate lock date was entered correctly – see Pg#'s 407 An interior and exterior appraisal was completed for this property – see pg 13-54 , the appraisal disclosure was provided to the borrower(s)- see Pg#'143 , and copy of the appraisal was given to the borrower – see Pg#'s 397 for the copy of the disclosure. The loan meets HPML guideline - Due Diligence Vendor-08/18/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961455 |  |  | Closed | 2025-08-18 09:08 | 2025-08-26 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet Uploaded. Resolved - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Bank Statement Summary Lender Worksheet / Income Calculator is Missing. - Due Diligence Vendor-08/XX/2025 | Resolved-Income Worksheet Uploaded. Resolved - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940473 |  |  | Closed | 2025-08-19 13:41 | 2025-08-25 07:06 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 shows Tax amount excluded. DTI now matches. Updated & Resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-The 1008 document is missing from the loan file. Variance in DTI due to Taxes escrowed per 1st lien mortgage statement. 1008 in file includes additional monthly Tax amount therefore counted twice resulting in DTI difference. Provide updated 1008 with correction. - Due Diligence Vendor-08/XX/2025 | Resolved-Updated 1008 shows Tax amount excluded. DTI now matches. Updated & Resolved. - Due Diligence Vendor-08/25/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/25/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907060 |  |  | Closed | 2025-08-20 10:31 | 2025-08-25 16:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Formal exception in loan file. - Due Diligence Vendor-08/XX/2025 <br> Open-Loan does not conform to program guidelines We have UW exception for less credit score of XXXX and excessive NSF's on business account at page #1180 - Due Diligence Vendor-08/XX/2025 | Waived-Formal exception in loan file. - Due Diligence Vendor-08/25/2025<br>|  |  | DTI is XXXX. Maximum allowed per guidelines is 50%.<br> Borrower(s) have XXXX Reserves. <br> Borrower has job stability, XXXX in current job. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 5907060 |  |  | Closed | 2025-08-20 10:20 | 2025-08-20 10:41 | Resolved | 1 - Information A | Compliance | Interest:MaxRate | Hawaii - Maximum APR | Resolved-The loan's (XXXX) APR exceeds 12%. Under the XXXX Interest and Usury Provisions, the maximum APR is 12% for subordinate lien loans. (Hawaii Rev. Stat. 478-4) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, loan is 2nd line and taxes and insurance are escrowed with 1st line. and loan information is on Pg#'s 1096 and the Final Closing disclosure on Pg#'s 637. Rate lock date was entered correctly – see Pg#'s 1096. An interior and exterior appraisal was completed for this property – see pg# 109, 126, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 558, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1263. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (XXXX) APR exceeds 12%. Under the Hawaii Interest and Usury Provisions, the maximum APR is 12% for subordinate lien loans. (Hawaii Rev. Stat. 478-4) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, loan is 2nd line and taxes and insurance are escrowed with 1st line. and loan information is on Pg#'s 1096 and the Final Closing disclosure on Pg#'s 637. Rate lock date was entered correctly – see Pg#'s 1096. An interior and exterior appraisal was completed for this property – see pg# 109, 126, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 558, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1263. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/20/2025 |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907060 |  |  | Closed | 2025-08-20 10:20 | 2025-08-20 10:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.228%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, loan is 2nd line and taxes and insurance are escrowed with 1st line. and loan information is on Pg#'s 1096 and the Final Closing disclosure on Pg#'s 637. Rate lock date was entered correctly – see Pg#'s 1096. An interior and exterior appraisal was completed for this property – see pg# 109, 126, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 558, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1263. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (12.228%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, loan is 2nd line and taxes and insurance are escrowed with 1st line. and loan information is on Pg#'s 1096 and the Final Closing disclosure on Pg#'s 637. Rate lock date was entered correctly – see Pg#'s 1096. An interior and exterior appraisal was completed for this property – see pg# 109, 126, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 558, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1263. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/20/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907071 |  |  | Closed | 2025-08-20 06:15 | 2025-09-05 22:15 | Resolved | 1 - Information C A | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Resolved-Finding resolved, per XXXX. Allowable loan fees and timing of collection. (a) Origination fees. You may charge a nonrefundable, prepaid, loan origination fee not to exceed four percent of the first twenty thousand dollars and two percent thereafter of the principal amount of the loan advanced to or for the direct benefit of the borrower, which fee may be included in the principal balance of the loan. The Bona Fide points excluded brings fees within the maximum threshold. - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-Document Uploaded. Also, can you please advise on how we can clear the XXXXstate conditions?<br>I'm a bit confused…our Compliance report shows we are in compliance and we are using 365.<br>- Seller-09/XX/2025 <br> Counter-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX State Based Finding. Per CD, additional fees charges to borrower. Condition unresolved. - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-updated mavent interest is 365 - Buyer-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-08/XX/2025 <br> Open-The XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. XXXX State Based Finding - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Finding resolved, per XXXX. Allowable loan fees and timing of collection. (a) Origination fees. You may charge a nonrefundable, prepaid, loan origination fee not to exceed four percent of the first twenty thousand dollars and two percent thereafter of the principal amount of the loan advanced to or for the direct benefit of the borrower, which fee may be included in the principal balance of the loan. The Bona Fide points excluded brings fees within the maximum threshold. - Due Diligence Vendor-09/05/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907071 |  |  | Closed | 2025-08-20 06:15 | 2025-08-28 16:03 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Washington - Discount Points | Resolved-Lender provided evidence of rate prior to bona fide discount. Condition resolved. - Due Diligence Vendor-08/XX/2025 <br> Resolved- - Due Diligence Vendor-08/XX/2025 <br> Open-The XXXX requires the discount points actually lower the rate. The note rate (7.875%) is not lower than the undiscounted rate (7.875%). XXXX. . - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-08/XX/2025 <br> Open-The XXXX requires the discount points actually lower the rate. The note rate (7.875%) is not lower than the undiscounted rate (0.0%). XXXX. State Based Finding - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-Lender provided evidence of rate prior to bona fide discount. Condition resolved. - Due Diligence Vendor-08/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907100 |  |  | Closed | 2025-08-21 14:00 | 2025-08-27 20:05 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br>Unable to Resolve-Unable to Resolve-Unable to Resolve-XXXX agrees with exception approved by dlee on 07/XX/2025<br> - Seller-08/XX/2025 <br>Open-Manager Notes: Exception for NAL on investment property is approved. Borrower owns submitting<br> broker shop. No direct involvement in processing of the file. PG -808 - Due Diligence Vendor-08/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/27/2025<br>|  |  | Borrower(s) have XXXX months Reserves<br> Minimum required per guidelines is 0 months<br> Credit Score is XXXX. Minimum required per guidelines is 700. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5907100 |  |  | Closed | 2025-08-20 10:08 | 2025-08-27 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided VOE. Finding resolved. - Due Diligence Vendor-08/XX/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. see VOE - Buyer-08/XX/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/XX/2025 | Resolved-Lender provided VOE. Finding resolved. - Due Diligence Vendor-08/27/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/27/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907100 |  |  | Closed | 2025-08-20 12:10 | 2025-08-26 14:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.536%) APR equals or exceeds the Federal HPML threshold of (10.29%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#268 reflects escrows. Rate lock date was entered correctly see Pg# 459 An interior and exterior appraisal was completed for this property – see Page#26 the appraisal disclosure was provided to the borrower(s)- see Pg# 452, and copy of the appraisal was given to the borrower see Pg# 452 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 <br> Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (10.536%) APR equals or exceeds the Federal HPML threshold of (10.29%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(iii)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# N/A and the Final Closing disclosure on Pg#268 reflects escrows. Rate lock date was entered correctly see Pg# 459 An interior and exterior appraisal was completed for this property – see Page#26 the appraisal disclosure was provided to the borrower(s)- see Pg# 452, and copy of the appraisal was given to the borrower see Pg# 452 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-08/20/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907089 |  |  | Closed | 2025-08-20 12:00 | 2025-09-03 10:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. Updated & resolved. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/XX/2025 <br>Open-TRID: Missing Closing Disclosure Provide the Initial CD, any related COC's, re-disclosed CD's and the Disclosure Tracking Summary. - Due Diligence Vendor-08/XX/2025 | Resolved-Initial Closing Disclosure document provided. Updated & resolved. - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5940484 |  |  | Closed | 2025-08-27 07:49 | 2025-08-28 19:23 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-1008 with corrected qualifying FICO provided and updated to 1008 page, resolved. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. XXXX is the correct credit score. Updated 1008 uploaded for review. - Buyer-08/XX/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The qualifying FICO score listed on the 1008 does not match qualifying FICO chosen per guidelines. - Due Diligence Vendor-08/XX/2025 | Resolved-1008 with corrected qualifying FICO provided and updated to 1008 page, resolved. - Due Diligence Vendor-08/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | 5907082 |  |  | Closed | 2025-08-21 13:05 | 2025-08-28 19:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Client provided updated appraisal confirming sub prop is not a PUD. 1008 and property page updated. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Updated appraisal provided - Buyer-08/XX/2025 <br>Counter-Appraisal provided with PUD designation removed. However zoning classification is P-D and zoning description is Planned development per the site portion of the appraisal. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Property not in PUD - Buyer-08/XX/2025 <br>Open-The Deed of Trust is Incomplete Pr appraisal subject property is a PUD. However, Planned Unit Development Rider under section (i) on the DOT is not checked. - Due Diligence Vendor-08/XX/2025 | Resolved-The Deed of Trust is Present and Complete - Client provided updated appraisal confirming sub prop is not a PUD. 1008 and property page updated. Resolved. - Due Diligence Vendor-08/28/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907082 |  |  | Closed | 2025-08-21 13:29 | 2025-08-28 19:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Condo PUD rider | Resolved-Client provided updated appraisal confirming sub prop is not a PUD. 1008 and property page updated. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Appraisal uploaded - Buyer-08/XX/2025 <br>Counter-Appraisal provided with PUD designation removed. However zoning classification is P-D and zoning description is Planned development per the site portion of the appraisal. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Property not in PUD - Buyer-08/XX/2025 <br>Open-Missing PUD Rider - Due Diligence Vendor-08/XX/2025 | Resolved-Client provided updated appraisal confirming sub prop is not a XXXX. 1008 and property page updated. Resolved. - Due Diligence Vendor-08/28/2025 | XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907078 |  |  | Closed | 2025-08-22 17:49 | 2025-08-29 16:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/XX/2025 <br>Resolved-Updated Final 1003 Provided, Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/XX/2025 <br>Open-The Final 1003 is Incomplete Borrower 2 Self-Employment Information is Missing In Final 1003 Document. - Due Diligence Vendor-08/XX/2025 | Resolved-The Final 1003 is Present - Due Diligence Vendor-08/29/2025 <br>Resolved-Updated Final 1003 Provided, Resolved. - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907078 |  |  | Closed | 2025-08-22 17:01 | 2025-08-29 16:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception Approved - Due Diligence Vendor-08/XX/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. XXXX Approves exception - Buyer-08/XX/2025 <br> Open-Audited FICO of XXXX is less than Guideline FICO of 660 Audited FICO of XXXX is less than The Guideline FICO of 660. - Due Diligence Vendor-08/XX/2025 | Waived-Exception Approved - Due Diligence Vendor-08/29/2025<br>| XXXX |  | 30% DTI, Max is 50%<br> >$XXXX residual income | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | 5907078 |  |  | Closed | 2025-08-22 17:34 | 2025-08-22 17:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.5%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s166 and the Final Closing disclosure on Pg#'s 166, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1022. An interior and exterior appraisal was completed for this property – see pg# 344, 351, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 343, and confirmation the appraisal was delivered to the borrower – see Pg#'s 420. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/XX/2025 <br>Open- - Due Diligence Vendor-08/XX/2025 | Resolved-The loan's (12.5%) APR equals or exceeds the Federal HPML threshold of (10.25%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s166 and the Final Closing disclosure on Pg#'s 166, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1022. An interior and exterior appraisal was completed for this property – see pg# 344, 351, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 343, and confirmation the appraisal was delivered to the borrower – see Pg#'s 420. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/22/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907083 |  |  | Closed | 2025-09-08 09:39 | 2025-09-09 13:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC and revised LE provided - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-09/XX/2025 <br> Resolved- - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/XX/2025 <br> Open-Discount points increased missing valid change of circumstance reflecting increase in points in file - Due Diligence Vendor-09/XX/2025 <br> Open-A Lender Credit for Excess Charges of (XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($421.95) were applied to the total fee variance of ($921.95) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-09/XX/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($421.95) were applied to the total fee variance of (XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 | Resolved-COC and revised LE provided - Due Diligence Vendor-09/09/2025 <br>Resolved- - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907083 |  |  | Closed | 2025-08-25 08:56 | 2025-09-08 09:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition Resolved. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing - Due Diligence Vendor-08/XX/2025 | Resolved-Requested Initial CD Provided, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961450 |  |  | Closed | 2025-08-29 08:29 | 2025-09-26 02:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-VOE for B2 provided and updated in LM - Due Diligence Vendor-09/XX/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. VOE attached. - Buyer-09/XX/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE is missing in file. VOE in file was not dated w/in 10 business days of closing. - Due Diligence Vendor-08/XX/2025 | Resolved-VOE for B2 provided and updated in LM - Due Diligence Vendor-09/07/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/07/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961450 |  |  | Closed | 2025-08-29 09:59 | 2025-09-05 14:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided and updated in LM. Mavent was run and passed. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-09/XX/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file - Due Diligence Vendor-08/XX/2025 | Resolved-Initial CD provided and updated in LM. Mavent was run and passed. - Due Diligence Vendor-09/05/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5961450 |  |  | Closed | 2025-09-05 14:36 | 2025-09-05 14:38 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - Due Diligence Vendor-09/XX/2025 <br> Open-You submitted a Prior Closing Disclosure Received Date (XXXX) earlier than the Prior Closing Disclosure Date Issued XXXX). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) Comment in LM - Due Diligence Vendor-09/XX/2025 | Resolved-Resolved - Due Diligence Vendor-09/05/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 5907074 |  |  | Closed | 2025-09-02 17:55 | 2025-09-08 08:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested Gap Credit report provided, updated & condition resolved. - Due Diligence Vendor-09/XX/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-09/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provided gap report is not with in 10 business day from the closing date. - Due Diligence Vendor-09/XX/2025 | Resolved-Requested Gap Credit report provided, updated & condition resolved. - Due Diligence Vendor-09/08/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **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** | **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** | **Completion Report (1004D) 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** |
| 5149814 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.72 | 66.33 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 5149815 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.91 | 64.11 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.1 | XXXX |
| 5149817 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.74 | 79.91 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.7 | XXXX |
| 5149835 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.02 | 79.96 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5149818 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.45 | 74.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5149819 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.19 | 63.45 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.4 | XXXX |
| 5149820 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.08 | 84.78 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.4 | XXXX |
| 5149833 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.21 | 55.01 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.1 | XXXX |
| 5149821 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.56 | 62.06 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5149829 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.22 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5149822 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.8 | 75.31 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5149823 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.53 | 74.99 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.8 | XXXX |
| 5149832 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.79 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5149825 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.29 | 77.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5149826 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.84 | 84.74 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 3.2 | XXXX |
| 5149827 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.14 | 77.55 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 4.1 | XXXX |
| 4859252 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.2 | 54.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.9 | XXXX |
| 4859257 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.04 | 84.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 4859258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 19.91 | 57.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 4859267 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.48 | 37.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 4859273 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.48 | 87.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 4859274 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.08 | 84.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5149834 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 10.06 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 4.4 | XXXX |
| 5149904 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 28.66 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5149831 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.24 | 84.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.4 | XXXX |
| 5149908 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.6 | 69.72 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 3.2 | XXXX |
| 5149909 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.83 | 74.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5149994 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.17 | 85.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5149914 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.37 | 83.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5516227 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 31.74 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5149911 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.33 | 56.73 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5141369 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 32.42 | 79.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5141386 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 15.31 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5149828 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.8 | 65.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.6 | XXXX |
| 5141447 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.78 | 68.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5141401 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 35.24 | 79.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5141436 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.36 | 71.12 | XXXX | XXXX | -.0637 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0637 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 4986509 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.39 | 62.07 | XXXX | XXXX | -.0006 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0006 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5141404 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.4 | 64.79 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5141434 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.43 | 50.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1.2 | XXXX |
| 5141429 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 20.0 | 81.25 | XXXX | XXXX | .0270 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0270 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 2.7 | XXXX |
| 5141432 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 20.13 | 73.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 2 | XXXX |
| 5141437 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 11.86 | 54.73 | XXXX | XXXX | .1358 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .1358 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5141435 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 24.22 | 74.47 | XXXX | XXXX | .0187 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0187 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5141397 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.18 | 69.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5141372 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.83 | 74.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.7 | XXXX |
| 5141396 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.06 | 79.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5141377 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.78 | 79.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 4940930 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.71 | 74.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5141438 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.49 | 79.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1.6 | XXXX |
| 5141375 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.49 | 79.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 4.1 | XXXX |
| 4985634 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.41 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5141381 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.84 | 51.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5141400 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.16 | 73.08 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 3.3 | XXXX |
| 5141374 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.37 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1.8 | XXXX |
| 5141405 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.5 | 54.75 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5141379 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.05 | 70.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5141410 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 21.05 | 67.25 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5141418 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 30.0 | 79.41 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5141371 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.03 | 52.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 4984338 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 5.2 | 25.99 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5141442 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 19.0 | 61.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5149942 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 20.62 | 69.92 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5141412 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.59 | 47.58 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.2 | XXXX |
| 4986505 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.47 | 75.58 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5009033 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 45.94 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | High Confidence | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 4999133 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.29 | 74.78 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 4986205 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.61 | 79.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5009055 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.88 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1.5 | XXXX |
| 5009015 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.1 | 67.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 4986036 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.29 | 70.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 5003482 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.39 | 66.93 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 4986410 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 34.57 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5010951 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 9.38 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5003474 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.19 | 74.73 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.1101 | 66.0 | 0.34 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5010935 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.54 | 74.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1.2 | XXXX |
| 5452508 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.06 | 84.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 5452509 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.92 | 64.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5452506 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.23 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.3 | XXXX |
| 5021528 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.54 | 68.02 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 4.4 | XXXX |
| 5021449 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.28 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 2.4 | XXXX |
| 5453445 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.6 | 60.08 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 4998994 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 23.08 | 61.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 2.7 | XXXX |
| 5021475 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.39 | 52.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5453443 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.62 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.5 | XXXX |
| 5009053 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 23.3 | 56.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5010299 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.14 | 55.26 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5021527 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 18.37 | 71.1 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5471318 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.92 | 75.0 | XXXX | XXXX | -.0201 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0201 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.5 | XXXX |
| 4999115 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.78 | 65.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 2.2 | XXXX |
| 5453450 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 12.15 | 79.62 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5453456 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 19.01 | 68.12 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5429478 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.92 | 45.16 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 3.1 | XXXX |
| 5453449 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.82 | 80.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 2 | XXXX |
| 5453459 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.25 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 5 | XXXX |
| 5008995 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.43 | 78.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5149947 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 21.03 | 64.33 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5429469 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.81 | 74.76 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5429509 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 24.36 | 78.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5429454 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.0 | 78.35 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5429472 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.07 | 79.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1.9 | XXXX |
| 5471324 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 14.71 | 23.95 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5471339 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 19.34 | 85.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5471322 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Hybrid Appraisal | XXXX | XXXX | XXXX | 11.83 | 59.94 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501781 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 22.27 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5471328 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.23 | 79.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5471344 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.25 | 61.44 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.5 | XXXX |
| 5501786 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 29.48 | 78.21 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501787 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.68 | 54.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5471345 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 11.97 | 74.63 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5471346 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.75 | 74.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.2 | XXXX |
| 5471347 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.42 | 76.46 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.7 | XXXX |
| 5471348 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.18 | 41.66 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5471349 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 12.17 | 74.83 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661488 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.18 | 60.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0519 | 81.0 | 0.19 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5501789 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.0 | 68.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.5 | XXXX |
| 5471343 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.33 | 59.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5471359 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.62 | 57.45 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.3 | XXXX |
| 5471335 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.37 | 58.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | .0112 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 5 | XXXX |
| 5501788 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.0 | 74.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.6 | XXXX |
| 5501807 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.43 | 71.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5471340 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.58 | 79.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 2.6 | XXXX |
| 5516228 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 45.09 | 69.84 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501790 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.48 | 74.32 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 5 | XXXX |
| 5661489 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.96 | 52.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5501809 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.13 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.3 | XXXX |
| 5501810 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.35 | 50.3 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501811 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.63 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5501812 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.76 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.5 | XXXX |
| 5501792 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.1 | 33.61 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501872 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.32 | 84.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.6 | XXXX |
| 5501874 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.61 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible |  | XXXX |
| 5501875 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.24 | 80.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5501879 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.77 | 72.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.1 | XXXX |
| 5501883 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.03 | 80.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5501878 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.82 | 83.73 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Eligible | 1 | XXXX |
| 5501876 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 11.9 | 31.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5501880 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.26 | 67.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 2.4 | XXXX |
| 5501885 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.99 | 85.12 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5501884 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.41 | 81.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5501873 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.67 | 55.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.9 | XXXX |
| 5501882 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.2 | 84.77 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible |  | XXXX |
| 5501881 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.78 | 74.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.3 | XXXX |
| 5501877 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.26 | 51.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5501858 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.07 | 55.21 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501782 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.26 | 71.31 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 5 | XXXX |
| 5471342 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.73 | 80.35 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501865 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.44 | 74.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5501800 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 63.57 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 5516235 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.48 | 55.38 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.7 | XXXX |
| 5471360 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 15.95 | 74.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5471354 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.22 | 74.96 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501801 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.21 | 53.65 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501844 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.61 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5516293 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.51 | 62.93 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 3.5 | XXXX | Not Eligible | 2.2 | XXXX |
| 5501855 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.2 | 65.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5501785 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 8.42 | 52.15 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5516230 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.08 | 79.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5516234 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.64 | 60.93 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501815 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 20.71 | 79.84 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501850 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.14 | 79.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2 | XXXX |
| 5516229 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 6.25 | 40.05 | XXXX | XXXX | -.2802 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.2802 | 71.0 | 0.29 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5501851 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 2.5 | 26.76 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5516253 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.77 | 63.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916447 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.85 | 73.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5516255 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.38 | 79.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5661487 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 19.33 | 51.48 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916448 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.36 | 70.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5661490 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 41.66 | 79.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| 5516258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.62 | 89.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5516259 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.87 | 79.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5516260 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.71 | 69.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5516261 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.07 | 74.96 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5516262 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.06 | 78.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5661468 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.41 | 72.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.7 | XXXX |
| 5916449 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.41 | 74.85 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5661460 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.45 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907052 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 10.46 | 40.52 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5516270 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 37.67 | 74.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854064 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 12.63 | 66.52 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.1 | XXXX |
| 5916450 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 12.34 | 37.12 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5516276 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 9.53 | 55.38 | XXXX | XXXX | -.0014 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0014 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5516277 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 15.52 | 65.45 | XXXX | XXXX | -.0286 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0286 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916451 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.91 | 56.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916452 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.33 | 73.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5661453 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.84 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916453 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.09 | 83.55 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.2 | XXXX |
| 5940507 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.09 | 44.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.9 | XXXX |
| 5916454 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible |  | XXXX |
| 5516283 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 15.43 | 70.72 | XXXX | XXXX | .0577 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0577 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5516284 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 23.7 | 77.19 | XXXX | XXXX | 1.4372 | 1004 URAR | XXXX | XXXX |  |  | XXXX | XXXX | 1.4372 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 4.7 | XXXX |
| 5501846 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.69 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5661538 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.17 | 79.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible | 1 | XXXX |
| 5661533 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 45.58 | 68.72 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661535 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.5 | 73.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5661540 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.9 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible | 1 | XXXX |
| 5661525 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.28 | 72.45 | XXXX | XXXX | -.0329 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | -.0329 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661536 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.67 | 64.91 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661532 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 8.02 | 23.13 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661531 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 37.89 | 66.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5661530 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 17.37 | 62.02 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5516311 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.89 | 55.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 2.6 | XXXX |
| 5854031 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.05 | 84.56 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854041 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.4 | 58.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.2 | XXXX |
| 5854053 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.95 | 44.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.3 | XXXX |
| 5516269 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.29 | 74.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 3.5 | XXXX | Not Eligible | 2.1 | XXXX |
| 5661469 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.65 | 68.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.5 | XXXX |
| 5907053 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.14 | 38.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5661446 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.87 | 49.88 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 3 | XXXX | Eligible |  | XXXX |
| 5916437 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 19.53 | 73.06 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661527 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.54 | 41.53 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5501791 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.92 | 79.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.3 | XXXX |
| 5661444 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.58 | 66.36 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854028 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.83 | 74.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 3 | XXXX | Not Eligible | 1.1 | XXXX |
| 5516298 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.59 | 68.51 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854044 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.75 | 76.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916446 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.4 | 73.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 5661534 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.43 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5661502 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.54 | 56.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5661443 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Hybrid Appraisal | XXXX | XXXX | XXXX | 31.23 | 80.0 | XXXX | XXXX | .2238 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .2238 | 87.0 | 0.13 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661500 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.18 | 74.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.5 | XXXX |
| 5854050 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.75 | 69.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.6 | XXXX |
| 5661459 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 12.8 | 69.5 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 87 | 0.13 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661451 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.62 | 41.34 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5916441 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 35.21 | 56.49 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916445 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 16.85 | 60.89 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.9 | XXXX |
| 5854037 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.25 | 63.49 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854049 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.32 | 64.74 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5854043 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.68 | 30.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916442 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 12.0 | 60.02 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5661522 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.96 | 71.85 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916379 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.69 | 84.35 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.5 | XXXX |
| 5916440 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.45 | 62.82 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5854033 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 19.63 | 75.1 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907056 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.15 | 56.27 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5854042 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.92 | 44.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 5854046 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.13 | 60.58 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible | 1 | XXXX |
| 5854057 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.03 | 36.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5916391 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.0 | 75.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5907059 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 19.23 | 57.23 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.3 | XXXX |
| 5916443 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 17.93 | 55.09 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916388 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.71 | 79.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2.5 | XXXX | Eligible | 2.3 | XXXX |
| 5854030 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 11.11 | 69.34 | XXXX | XXXX | -.1149 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.1149 | 80.0 | 0.2 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5854032 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.97 | 51.67 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.8 | XXXX |
| 5854062 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.24 | 87.09 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.9 | XXXX |
| 5854036 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 25.04 | 57.69 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854055 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.7 | 79.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.2 | XXXX |
| 5854060 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.45 | 50.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916389 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.1 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 5854058 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 19.04 | 73.01 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854029 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 6.09 | 20.12 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907054 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 19.42 | 64.82 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854056 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.31 | 36.59 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916401 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.43 | 62.5 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916374 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.12 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.8 | XXXX |
| 5854038 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.16 | 68.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.5 | XXXX |
| 5854034 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.0 | 74.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 5854008 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 37.47 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854052 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 31.28 | 69.16 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854051 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.55 | 68.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916385 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.39 | 78.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5916382 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.94 | 81.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940510 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.35 | 85.0 | XXXX | XXXX | -.0187 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0187 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.9 | XXXX |
| 5916514 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.73 | 36.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5916402 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2095 Exterior Only Inspection Coop Report | XXXX | XXXX | XXXX | 9.83 | 74.88 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916373 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 40.85 | 79.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 5854045 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.66 | 84.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 5854039 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 31.25 | 70.64 | XXXX | XXXX | -.0433 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0433 | 87.0 | 0.13 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916516 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 6.73 | 20.06 | XXXX | XXXX | .0296 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0296 | 84.0 | 0.16 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916509 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.2 | 79.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible | 2.3 | XXXX |
| 5916476 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.33 | 45.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.3 | XXXX |
| 5940509 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.74 | 69.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5916506 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 18.04 | 56.06 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916511 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 41.66 | 79.27 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible |  | XXXX |
| 5961457 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 5.7 | 84.96 | XXXX | XXXX | .1443 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .1443 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5854035 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.0 | 79.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 5 | XXXX |
| 5940517 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.2 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.5 | XXXX |
| 5916496 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 9.9 | 60.0 | XXXX | XXXX | -.0049 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0049 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5916489 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.25 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| 5916444 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 33.09 | 74.85 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916403 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.77 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5854063 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.09 | 72.73 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 5 | XXXX |
| 5916513 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 16.15 | 38.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854040 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.25 | 70.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 2.3 | XXXX |
| 5854048 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.62 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916497 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.6 | 59.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5907057 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 13.66 | 64.63 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916427 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.92 | 89.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916409 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.7 | 89.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916410 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.78 | 45.46 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916380 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.88 | 64.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916407 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.93 | 70.41 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916395 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.61 | 77.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| 5854059 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 14.6 | 76.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5916396 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 6.67 | 60.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 5916392 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.64 | 60.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916387 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 20.31 | 71.2 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916376 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.42 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1.5 | XXXX | Eligible | 1.9 | XXXX |
| 5916490 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.2 | 84.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940508 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.75 | 44.93 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| 5916467 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.65 | 54.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.3 | XXXX |
| 5916465 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.15 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5916464 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.44 | 73.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5916477 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.13 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| 5916390 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.42 | 64.54 | XXXX | XXXX | -.0423 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0423 | 77.0 | 0.23 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 3.5 | XXXX | Not Eligible |  | XXXX |
| 5916393 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.74 | 84.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 4.5 | XXXX | Not Eligible | 2.1 | XXXX |
| 5907055 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.69 | 84.64 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5854026 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 21.44 | 54.61 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916329 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.59 | 73.89 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916375 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.21 | 59.8 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916463 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.07 | 84.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5916399 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.41 | 64.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5961459 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.87 | 79.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.1 | XXXX |
| 5916398 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.44 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916504 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 59.24 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.5 | XXXX |
| 5916394 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.06 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916501 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 9.96 | 51.56 | XXXX | XXXX | -.0975 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0975 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916500 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 8.79 | 45.4 | XXXX | XXXX | .0022 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0022 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916499 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 11.56 | 55.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5916498 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 12.11 | 30.14 | XXXX | XXXX | -.0510 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0510 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916515 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 11.13 | 56.66 | XXXX | XXXX | -.0389 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0389 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940520 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 6.08 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5916502 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.44 | 68.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940521 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.48 | 64.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916488 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.74 | 32.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.7 | XXXX |
| 5916491 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.5 | 63.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916493 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.57 | 42.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916494 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.24 | 43.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| 5916495 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.58 | 56.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940522 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1075 Exterior Only Inspection Condo Report | XXXX | XXXX | XXXX | 14.08 | 78.1 | XXXX | XXXX | .0225 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0225 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940516 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.46 | 85.0 | XXXX | XXXX | -.0366 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0366 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible |  | XXXX |
| 5916456 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 5.78 | 36.7 | XXXX | XXXX | .1890 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .1890 | 84.0 | 0.16 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940511 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.61 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5916480 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 22.37 | 59.96 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916479 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.9 | 80.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.3 | XXXX |
| 5916383 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.86 | 69.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916404 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.06 | 79.75 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916400 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.33 | 59.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 3 | XXXX | Not Eligible | 1.9 | XXXX |
| 5916486 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.25 | 37.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5916378 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.52 | 74.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| 5916421 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.22 | 69.04 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916438 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.09 | 74.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.5 | XXXX |
| 5940470 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.17 | 89.88 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible |  | XXXX |
| 5940512 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.68 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5961456 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.5 | 81.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.3 | XXXX |
| 5916508 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 29.88 | 74.9 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916377 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.68 | 69.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1.5 | XXXX | Eligible | 1.7 | XXXX |
| 5907058 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.18 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| 5916512 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.12 | 70.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.3 | XXXX |
| 5916405 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.54 | 74.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 5940523 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 15.52 | 64.94 | XXXX | XXXX | -.0700 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0700 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5940515 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.9 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1.5 | XXXX | Eligible | 2.3 | XXXX |
| 5916507 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.5 | 39.9 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible |  | XXXX |
| 5940514 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.21 | 59.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 5916487 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.3 | 65.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5961460 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.52 | 66.25 | XXXX | XXXX | -.0768 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0768 | 86.0 | 0.14 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916462 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 17.93 | 61.54 | XXXX | XXXX | -.0869 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0869 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible |  | XXXX |
| 5916386 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.33 | 79.56 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916406 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.54 | 73.55 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2.5 | XXXX | Eligible |  | XXXX |
| 5916416 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.38 | 87.16 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916505 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 44.82 | 68.75 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940519 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.21 | 47.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 4.5 | XXXX | Not Eligible | 5 | XXXX |
| 5916461 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 10.76 | 29.42 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940518 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.6 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5916460 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 7.5 | 48.05 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916459 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 10.83 | 73.13 | XXXX | XXXX | -.0027 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0027 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916457 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 11.58 | 41.62 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916455 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.06 | 56.6 | XXXX | XXXX | -.0979 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.0979 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916466 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.67 | 69.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.3 | XXXX |
| 5916478 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.0 | 77.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible | 1.1 | XXXX |
| 5940474 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.71 | 49.12 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 5 | XXXX |
| 5916397 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 27.08 | 62.23 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916418 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.09 | 79.47 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.8 | XXXX |
| 5916413 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.02 | 68.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible | 2.5 | XXXX |
| 5916411 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 20.44 | 67.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 4 | XXXX | Not Eligible | 4 | XXXX |
| 5916510 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.04 | 69.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.4 | XXXX |
| 5916415 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.0 | 44.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 3 | XXXX | Not Eligible | 2.1 | XXXX |
| 5916414 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.85 | 62.94 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5961458 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.85 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible |  | XXXX |
| 5916412 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.04 | 55.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.1 | XXXX |
| 5916430 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.97 | 80.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940478 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.73 | 72.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2.5 | XXXX | Eligible | 1.6 | XXXX |
| 5916408 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 24.92 | 69.15 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940495 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.56 | 74.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.6 | XXXX |
| 5916422 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 22.52 | 37.16 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 90 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916424 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 33.52 | 78.71 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916433 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.68 | 60.43 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.9 | XXXX |
| 5916431 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.01 | 69.23 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 4.6 | XXXX |
| 5916434 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.7 | 79.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916423 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.98 | 74.73 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916384 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 21.5 | 78.39 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916435 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.9 | 79.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.5 | XXXX |
| 5907075 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.61 | 54.02 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 4.1 | XXXX |
| 5916429 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.72 | 79.99 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.5 | XXXX |
| 5916432 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.92 | 84.83 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 4.7 | XXXX |
| 5916417 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 49.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.9 | XXXX |
| 5916419 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.99 | 89.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible |  | XXXX |
| 5916420 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.74 | 52.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.9 | XXXX |
| 5916436 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.01 | 64.91 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.7 | XXXX |
| 5940483 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.4 | 63.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940489 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.22 | 55.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5916425 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.15 | 67.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible | 1.1 | XXXX |
| 5940513 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.17 | 79.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| 5940472 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.35 | 79.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940481 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 47.39 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940493 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.09 | 79.12 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5907070 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.5 | 79.85 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible |  | XXXX |
| 5940505 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.8 | 55.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5907072 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 17.45 | 74.88 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907077 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.3 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible |  | XXXX |
| 5907065 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 29.9 | 67.1 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907102 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 13.56 | 51.34 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5916428 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 21.76 | 69.86 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907101 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.05 | 79.81 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 4 | XXXX | Eligible |  | XXXX |
| 5940482 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.15 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.7 | XXXX |
| 5940494 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 25.0 | 69.87 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 93 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940497 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.22 | 59.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940500 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 9.21 | 67.34 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940475 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 15.77 | 41.24 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940503 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 18.38 | 71.41 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 96 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940491 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.23 | 59.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | .0087 | XXXX | 1004 URAR | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.9 | XXXX |
| 5907069 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.48 | 71.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX | Not Eligible | 1 | XXXX |
| 5940502 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.69 | 75.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5961451 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 17.52 | 59.28 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940499 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 6.72 | 53.09 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940496 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.05 | 84.11 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.6 | XXXX |
| 5907073 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 26.02 | 69.28 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 91 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940471 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.26 | 65.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5961453 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 6.54 | 29.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.6 | XXXX |
| 5940490 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 20.42 | 69.24 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907121 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 20.2 | 69.91 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907093 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.04 | 65.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5907085 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.87 | 39.3 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940506 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.54 | 68.51 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5940476 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 26.38 | 79.91 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907062 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 31.12 | 69.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.2 | XXXX |
| 5907061 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 31.12 | 69.61 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907099 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.72 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5907113 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 20.0 | 43.21 | XXXX | XXXX | -.1974 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | -.1974 | 82.0 | 0.18 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940501 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.96 | 52.72 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 3.6 | XXXX |
| 5907114 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.58 | 48.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.8 | XXXX |
| 5940487 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.93 | 79.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940486 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.76 | 67.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5907120 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.57 | 64.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.6 | XXXX |
| 5961454 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 4.17 | 78.74 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940477 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 21.0 | 52.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5940480 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.52 | 56.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.1 | XXXX |
| 5940488 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.12 | 64.58 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5961452 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.9 | 79.82 | XXXX | XXXX | .0833 | AVM | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | .0833 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907112 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 20.48 | 75.15 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907092 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.99 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.1 | XXXX |
| 5961455 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.56 | 69.15 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1 | XXXX |
| 5940473 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 23.03 | 58.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 1.9 | XXXX |
| 5907060 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.54 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5907071 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.18 | 26.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1 | XXXX | Eligible | 1 | XXXX |
| 5940492 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 48.63 | 74.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907100 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 46.98 | 89.5 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907089 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.9 | 64.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2.2 | XXXX |
| 5940484 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.42 | 78.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 5907082 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.0 | 60.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 4.5 | XXXX | Not Eligible | 2.9 | XXXX |
| 5907078 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.87 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  | 2 | XXXX |
| 5907083 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 12.19 | 68.04 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5961450 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 17.61 | 72.86 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |
| 5907074 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.18 | 69.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 2 | XXXX | Eligible | 1 | XXXX |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Record ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 5149814 |  |  | XXXX | XXXX | Business P&L | Present | No | XXXX | XXXX | N/A | XXXX | N/A |  |  | XXXX | N/A | No |  |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 5149833 |  |  | XXXX | XXXX | Business P&L | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Actual In Place Rent | No | 168.58 |  | 0 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 5149829 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 121.48 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5149822 |  |  | XXXX | XXXX | 2YR Full Doc | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 106.47 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5516227 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Appraisal - 1025 | No | 82.06 |  | 0 | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5141386 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Appraisal - 1025 | No | 123.71 |  | 0 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5009055 |  |  | XXXX | XXXX | 12 Month Bank Statement | Missing | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 134.4 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 4986410 |  |  | XXXX | XXXX | 1YR Full Doc | Present | No | XXXX | XXXX | N/A | vXXXX | N/A |  |  | XXXX | N/A | No |  |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5453456 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | N/A | XXXX | N/A |  |  | XXXX | N/A | No |  |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5471324 |  |  | XXXX | XXXX | 12 Month Bank Statement | Missing | No | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | N/A | No |  |  | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 | N/A | XXXX |
| XXXX | 5501781 |  |  | XXXX | XXXX | 1YR Full Doc | Present | No | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | N/A | No |  | 0.0 | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5501786 |  |  | XXXX | XXXX | 1YR Full Doc | Present | No | XXXX | XXXX | N/A | XXXX | N/A |  |  | XXXX | N/A | No |  | 0.0 | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5471343 |  |  | XXXX | XXXX | 1YR Business P&L | Present | Yes | XXXX | XXXX | N/A | XXXX | N/A |  |  | XXXX | Actual In Place Rent | No | 213.27 | 0.0 | 0 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 2 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5471340 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 202.5 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5501858 |  |  | XXXX | XXXX | 12 Month Bank Statement | Missing | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 169.36 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |  | XXXX |
| XXXX | 5501815 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | Actual In Place Rent | No |  |  | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 | N/A | XXXX |
| XXXX | 5516262 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | N/A | XXXX | N/A |  |  | XXXX | N/A | No |  | 0.0 | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5661500 |  |  | XXXX | XXXX | 1YR Business P&L | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 111.84 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916441 |  |  | XXXX | XXXX | 1YR Business P&L | Present | No | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Appraisal - 1025 | No | 73.47 | 0.0 | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916445 |  |  | XXXX | XXXX | 1YR Business P&L | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Actual In Place Rent | No | 110.49 | 0.0 | 0 | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916442 |  |  | XXXX | XXXX | 1YR Full Doc | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Actual In Place Rent | No | 102.28 | 0.0 | 0 | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 12 | XXXX | XXXX | 1 | XXXX | XXXX | 1 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 5916440 |  |  | XXXX | XXXX | ALT DOC | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Actual In Place Rent | No | 187.54 | 0.0 | 0 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5916443 |  |  | XXXX | XXXX | 1YR Full Doc | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Actual In Place Rent | No | 119.63 | 0.0 | 0 | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | XXXX | XXXX | 1 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 5854030 |  |  | XXXX | XXXX | 2YR Full Doc | Present | Yes | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | Actual In Place Rent | No | 94.89 |  | 0 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5854056 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | N/A | No |  |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5854008 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Appraisal - 1025 | No | 116.21 | 0.0 | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916402 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | Appraisal - 1025 | XXXX |  |  |  | XXXX | Appraisal - 1025 | No |  |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916444 |  |  | XXXX | XXXX | 1YR Business P&L | Present | Yes | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 176.32 | 0.0 | 0 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |  | XXXX |
| XXXX | 5916512 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 85.44 | 0.0 | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916505 |  |  | XXXX | XXXX | 1YR Business P&L | Present | No | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | N/A | No |  | 0.0 | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916510 |  |  | XXXX | XXXX | 1YR Business P&L | Present | No | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | N/A | No |  | 0.0 | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5940478 |  |  | XXXX | XXXX | 1YR Full Doc | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 105.73 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916431 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | Actual In Place Rent | No |  |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 0 | Full Recourse | XXXX |
| XXXX | 5916434 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | N/A | XXXX | N/A |  |  | XXXX | N/A | No |  |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5916435 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | N/A | XXXX |  |  |  | XXXX | N/A | No |  |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5940472 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 155.88 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5907121 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Actual In Place Rent | No | 45.58 |  | 0 | XXXX | XXXX | XXXX | 12 | XXXX | XXXX | 12 | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 5907062 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | N/A |  |  | XXXX | Appraisal - 1007 | No | 179.06 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5907061 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX |  |  |  | XXXX | Appraisal - 1007 | No | 179.06 |  | 0 | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 5940492 |  |  | XXXX | XXXX | 1YR Full Doc | Present | Yes | XXXX | XXXX | Appraisal - 1025 | XXXX | N/A |  |  | XXXX | Actual In Place Rent | No | 115.81 |  | 0 | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | 1 | XXXX | XXXX | 1 | XXXX | XXXX | 12 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | 1 | 1 | N/A | XXXX | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

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

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

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

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

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 file as captured during the Review. The scope of this review and the findings are detailed later in this document.

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

**<u>CREDIT REVIEW (57 Loans)</u>**

AMC reviewed mortgage loan origination documentation to determine conformity with 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 and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**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.

**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 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 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.

1 \| P a g e

![](ex99-8_001.jpg)

**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 and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements in the file and met the minimum required amount of coverage.

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

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

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

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) mortgagors' 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.

2 \| P a g e

![](ex99-8_001.jpg)

**<u>LEASES REVIEW (1 Loan)</u>**

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

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

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

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

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

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

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

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

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

**Valuation Review:** AMC's review will include 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 will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) 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 will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

3 \| P a g e

![](ex99-8_001.jpg)

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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

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

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

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

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

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

**(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 guidelines restrictions, (viii) 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.

Since this population is comprised entirely of closed-end 2<sup>nd</sup> liens, a full appraisal is not a guideline requirement for all loans. Instead, guidelines allow an AVM and with sufficient confidence scores, no further valuation products are required. For those loans that do not meet the initial AVM minimum requirements, SitusAMC follows the prescribed product waterfall in the associated lender guidelines and exceptions accordingly if the additional requirements are not met.

4 \| P a g e

![](ex99-8_001.jpg)

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 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. Secondary valuation products were reviewed when provided but are not an overall requirement of the second lien review scope.

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 and worked with the client on the next steps which included ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

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

**<u>COMPLIANCE REVIEW – FULL SCOPE (21 loans)</u>**

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

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

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

5 \| P a g e

![](ex99-8_001.jpg)

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

6 \| P a g e

![](ex99-8_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed;

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

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

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

7 \| P a g e

![](ex99-8_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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));

8 \| P a g e

![](ex99-8_001.jpg)

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

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

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

 

*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

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

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

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

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

9 \| P a g e

![](ex99-8_001.jpg)

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

10 \| P a g e

![](ex99-8_001.jpg)

**(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);

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

11 \| P a g e

![](ex99-8_001.jpg)

**<u>COMPLIANCE REVIEW – LIMITED SCOPE (36 Loans)</u>**

Please be advised that SitusAMC will 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 will uncover 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 will uncover all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by SitusAMC are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which SitusAMC is relying in reaching such findings.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in the Review, and the findings set forth in any report prepared by SitusAMC does not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC. Information contained in any SitusAMC 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 SitusAMC 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 SitusAMC 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. SitusAMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

SitusAMC will review each residential mortgage loan to determine, as applicable, and to the extent possible and subject to the caveats below, whether the mortgage loan complies with each of the laws, rules and regulations specified below, in each case as the same may be amended, supplemented, replaced or otherwise modified from time to time pursuant to applicable law. With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, the compliance review is limited to the specific components enumerated below with the testing of those components in accordance with the SFA TRID Compliance Review Scope ("TRID Grid"), published by the Structured Finance Association ("SFA"). All other TRID testing, including other components of the TRID Grid, that are not explicitly enumerated below are considered outside of scope for purposes of this review.

**(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;l) <u>Rescission (§1026.23; §1026.15):</u> 

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

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

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

iv) failure to provide the three (3) specific business day rescission period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) missing or incorrect rescission expiration date on rescission notice;

vi) "I wish to cancel" section of rescission notice is signed by borrower;

vii) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means, for closed end transactions, 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 for open-end transactions, the information that must be provided to satisfy the requirements in §<u>1026.6</u> with regard to the method of determining the finance charge and the balance upon which a finance charge will be imposed, the annual percentage rate, the amount or method of determining the amount of any membership or participation fee that may be imposed as part of the plan, and the payment information described in §<u>1026.40</u>(d)(5)(i) and (ii) that is required under §<u>1026.6</u>(e)(2); and

viii) 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;m) <u>Tolerances (§§1026.18, 22 and 23):</u> 

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

12 \| P a g e

![](ex99-8_001.jpg)

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 Finance Charge to re-calculated Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;n) <u>Payment Tables (§1026.18, §1026.38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate disclosure of applicable payment tables on page 1 of the TIL or CD

&nbsp;&nbsp;&nbsp;&nbsp;o) <u>TILA Section 130(b) Corrections and Other Remediations</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) with respect to applicable exception remediation measures, confirm the remediation was performed in accordance
with regulatory and/or statutory requirements, and, where applicable, the SFA Compliance Review Scope methodology (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).

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) review relevant document to determine if there was dual compensation; and

vi) if requested by the client, review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

ii) 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;t) <u>Mandatory Arbitration Clauses (§1026.36(h)):</u> 

ii) 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;u) <u>Prohibition on Financing Credit Insurance (§</u> 1026.36(i)):

ii) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

iii) 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

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

**(II) 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;e) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

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

&nbsp;&nbsp;&nbsp;&nbsp;g) 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.); the Department of Veterans Affairs (38 C.F.R. Part 36
et seq.); and the U.S. Department of Agriculture (7 CFR Part 3555);

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

&nbsp;&nbsp;&nbsp;&nbsp;i) Prepayment penalty restrictions (12 C.F.R. 1026.43(g)).

SitusAMC will review 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). SitusAMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, SitusAMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, SitusAMC notes if an originator mortgage loan designation was not provided.

 

13 \| P a g e

![](ex99-8_001.jpg)

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature, negative
amortization, or loan term exceeding 30 years),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the "points and fees" exceed the applicable QM threshold,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the monthly payment was calculated appropriately,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) the creditor considered and verified income or assets at or before consummation,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) the creditor appropriately considered debt obligations, alimony and child support, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) based on the application date, defined in accordance with 1026.2(a)(3)(ii), and the loan designation provided
on the subject loan:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Temporary QM (Agency/GSE Salable) –** Loans submitted with a loan designation of Temporary
SHQM (GSE/Agency Eligible) or Temporary HPQM (GSE/Agency Eligible)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If loan application date is prior to 7/1/2021 or loan was purchased/securitized on or before 8/31/21,
the loan will be evaluated to confirm it is salable to the GSEs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If loan application date is on or after 7/1/2021 or loan was purchased/securitized after 8/31/21 - an
exception indicating loan is not eligible to be GSE Temp QM will be cited based on the GSE requirement for loan applications on or after
7/1/2021 to meet General QM (APOR) pricing based criteria to be salable,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **QM Based on Appendix Q –** Loans submitted with a loan designation of Safe Harbor QM, Higher
Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If the loan application date is prior to 3/1/2021 – determine whether at the time of consummation,
the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If the loan application date is on or after 3/1/2021, but before 10/1/2022 – determine whether at
the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **QM Based on APOR (Pricing-Based) –** Loans with an application date on or after 3/1/2021, submitted
with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), the QM considerations will be based on 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 creditor's guidelines
without a documented exception and compensating factors.

 

*QM loans with application dates on or after 10/1/22 are required to be either Safe Harbor QM (APOR) or Higher Priced QM (APOR)* 

 

***Verification Safe Harbor***

Pursuant to the November 2021 SFA TPR Scope of Review for Verification Safe Harbor under General QM Rule (<u>https://structuredfinance.org/wp-content/uploads/2021/11/SFA-TPR-Scope-of-Review-for-QM-VSH-Scope-of-Review-FINAL.pdf</u>) SitusAMC has adopted the following approach with respect to Verification Safe Harbor:

**VSH Indicator** – For loans originated under the new General QM (APOR) pricing-based threshold, the lender will be required to document the Verification Safe Harbor (VSH) indicator. SitusAMC will capture, but will not verify the VSH indicator. If the lender does not provide a VSH indicator, the VSH for the loan will be identified as "Not Stated".

14 \| P a g e

![](ex99-8_001.jpg)

**VSH Indicator Discrepancy** – Optional add-on service for loans submitted with a VSH Indicator of "Yes" (loan meets VSH). If a loan was submitted indicating VSH is met, client has the option to have SitusAMC review documentation in file and identify variances between documentation in file and guidelines used that could be indicative of an inaccurate VSH indicator. For all options below, the VSH indicator and determination method will be provided by the lender (within loan images, on the data tape, deal notes, or as part of the loan program/guidelines to which loans are originated). SitusAMC's evaluation will be limited to review of the documents against the guidelines used and identified by the lender to meet VSH. Review and verification that guidelines used meet VSH requirements under the regulation (particularly for options 2 and 3 where guidelines used are not one of those explicitly enumerated in the regulation) are outside of SitusAMC's scope. Lender is responsible for affirming guidelines used meet VSH standard requirements:

· <u>Option 1: VSH via reference to guidelines explicitly enumerated in the regulation (June 2020 GSE Guides)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies that loan utilizes one of the GSE
June 2020 guidelines specified in the regulation to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified by lender to have VSH status, SitusAMC
will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances are identified,
loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as not having met
VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence will not be used to evaluate the VSH indicator.

· <u>Option 2: VSH via reference to subsequent versions of GSE Guides affirmed to be "substantially similar" to guides explicitly enumerated in the regulation</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies (source and publication date) and
provides a set of GSE guides (other than one of the June 2020 guidelines specified in the regulation) utilized to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides affirmation that guides used meet VSH
requirements as revised version complies with verification standards or is substantially similar to the guides enumerated in the regulation
commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The determination and affirmation that the guides used
are substantially similar would be the responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are "substantially similar"** to the explicitly enumerated underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified by lender to have VSH status, SitusAMC
will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances are identified,
loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as not having met
VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence will not be used to evaluate the VSH indicator

· <u>Option 3: VSH via proprietary guides</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies and provides a set of proprietary
(non-GSE guides) underwriting guides utilized to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides worksheet/AUS connecting the loan level
review components to enumerated guides

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides affirmation that guides used meet VSH
requirements as guides comply with verification standards in the guides enumerated in the regulation commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The determination and affirmation that the guides used
are substantially similar would be the responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are in line with the standards in the enumerated underwriting guidelines.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified by lender to have VSH status, SitusAMC
will determine documentation variances that would cause one to question the VSH attestation from the lender. If variances are identified,
loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC will report loan as not having met
VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence will not be used to evaluate the VSH indicator

The lender must also maintain policies and procedures to meet the requirement under the new General QM (APOR) rule. Review of policies and procedures and comparison of guides utilized to explicitly enumerated guides are outside of SitusAMC's review scope.

**VSH Reporting –** SitusAMC will include the following in securitization reports:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The lender/seller's VSH Indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether SitusAMC evaluated the VSH indicator provided
by the lender/seller;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Which of the above 3 options was employed to evaluate
the VSH indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether SitusAMC identified a variance to indicator
based on due diligence review; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether loan met VSH based on option selected

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

15 \| P a g e

![](ex99-8_001.jpg)

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 (effective January 10, 2014), SitusAMC 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) and (vi)-1 as outlined above. In addition, SitusAMC reviews the Automated Underwriting System output within the mortgage loan file to confirm agency eligibility.

For each conventional QM designated mortgage loan that satisfied the applicable requirements enumerated above, SitusAMC 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.), the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.) and the U.S. Department of Agriculture (7 CFR Part 3555).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM (for loans that comply with general (ATR) or ATR Fail (for loans that do not meet general ATR requirements). See below for more details on general ability to repay testing.

 

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

For non-QM loans (loans that do not meet QM criteria or submitted by loan originator with a loan designation of non-QM), SitusAMC reviews the mortgage loan to the creditor's guidelines to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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. SitusAMC makes no representation or warranty surrounding the sufficiency of the client or creditor's guidelines as it relates to ATR requirements.

SitusAMC reviews mortgage loans to determine their conformity with the ATR/QM factors as outlined above, but does not render 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"). SitusAMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all the factors and/or criteria that Authorities may consider in determining whether the creditor adequately demonstrated compliance with the ATR requirements under the rule. SitusAMC's review is based on information contained in the mortgage loan file at the time it is provided to SitusAMC for review, and only reflects information as of that point in time.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), 50(f)(2), and limited provisions under Section 50(t) Article XVI of the Texas Constitution and associated regulations.**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" 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. State usury limitations and state-specific prohibited fees testing are outside of scope.**

16 \| P a g e

![](ex99-8_001.jpg)

**(V) Federal and state specific prepayment penalty provisions.**

**(VI) Federal and state specific late charges in states with assignee liability.** 

The state level late charge testing will be applicable to loans with the subject property in New Jersey, Georgia, New Mexico, and West Virginia.

**(VII) Homeowners Flood Insurance Affordability Act of 2014 (HFIAA)**

Confirm properties within a flood zone have adequate insurance coverage in accordance with HFIAA. (Including considerations of the total outstanding lien balances and any separate escrow impound requirements if the second lien is covered by a separate policy from the primary lien.)

**(VIII) FIRREA Review**

SitusAMC will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, SitusAMC will review 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, SitusAMC will access 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.

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

**(IX) Document Review.**

SitusAMC will review each mortgage loan file and verify whether the following documents, if applicable, were included in the file and that the data on applicable documents was consistent:

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD/Closing Disclosure from sale of previous residence;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

17 \| P a g e

![](ex99-8_001.jpg)

**(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, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

18 \| P a g e

![](ex99-8_001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, under the applicable DBRS rating criteria, 67.24% of the pool received an overall "A" grade, 27.59% received an overall "B" grade and 5.17% received an overall "C" grade.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** | &nbsp;&nbsp;**DBRS Rating Agency Loan Grades** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &nbsp;&nbsp;48 | &nbsp;&nbsp;51 | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**58** | &nbsp;&nbsp;**58** | &nbsp;&nbsp;**58** | &nbsp;&nbsp;**58** |

---

**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").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**16** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**19** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**35** |

---

19 \| P a g e

![](ex99-8_001.jpg)

**DATA INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 58 mortgage loans reviewed, 57 unique mortgage loans (98.28% by number) had a total of 261 different tape discrepancies across 35 data fields (some mortgage loans may have 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.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;Amortization Term | &nbsp;&nbsp;7 | &nbsp;&nbsp;10 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;44 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;58 | &nbsp;&nbsp;8.62% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;58 | &nbsp;&nbsp;3.45% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;58 | &nbsp;&nbsp;3.45% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;6 | &nbsp;&nbsp;10 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;58 | &nbsp;&nbsp;13.79% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;6 | &nbsp;&nbsp;55 | &nbsp;&nbsp;10.91% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;9 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;12 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;42 | &nbsp;&nbsp;58 | &nbsp;&nbsp;72.41% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;56 | &nbsp;&nbsp;5.36% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;8 | &nbsp;&nbsp;44 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;56 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;56 | &nbsp;&nbsp;5.36% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;7 | &nbsp;&nbsp;58 | &nbsp;&nbsp;12.07% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;9 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**261** | &nbsp;&nbsp;**1422** | &nbsp;&nbsp;**18.35%** | &nbsp;&nbsp;**58** |

---

20 \| P a g e

![](ex99-8_001.jpg)

**ADDITIONAL SUMMARY** 

*Some % of Loans may not add to 100% due to rounding*

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of <br> Balance** |
| Fixed | 58 | 100.00% | $12396087.00 | 100.00% |
| **Total** | **58** | **100.00%** | **$12396087.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of <br> Balance** |
| 2 | 58 | 100.00% | $12396087.00 | 100.00% |
| **Total** | **58** | **100.00%** | **$12396087.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of <br> Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 58 | 100.00% | $12396087.00 | 100.00% |
| **Total** | **58** | **100.00%** | **$12396087.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of <br> Balance** |
| 181-240 Months | 1 | 1.72% | $81500.00 | 0.66% |
| 241-360 Months | 57 | 98.28% | $12314587.00 | 99.34% |
| **Total** | **58** | **100.00%** | **$12396087.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of <br> Balance** |
| Single Family Detached | 35 | 60.34% | $6819243.00 | 55.01% |
| Condo, Low Rise | 4 | 6.90% | $818000.00 | 6.60% |
| PUD | 14 | 24.14% | $3274300.00 | 26.41% |
| Townhouse | 1 | 1.72% | $125000.00 | 1.01% |
| 2 Family | 2 | 3.45% | $894244.00 | 7.21% |
| 3 Family | 2 | 3.45% | $465300.00 | 3.75% |
| **Total** | **58** | **100.00%** | **$12396087.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of <br> Balance** |
| Primary | 53 | 91.38% | $11673587.00 | 94.17% |
| Investment | 5 | 8.62% | $722500.00 | 5.83% |
| **Total** | **58** | **100.00%** | **$12396087.00** | **100.00%** |

---

 

21 \| P a g e

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-8sch1_001.jpg) | ![](ex99-8sch1_001.jpg) | ![](ex99-8sch1_001.jpg) | ![](ex99-8sch1_001.jpg) | ![](ex99-8sch1_001.jpg) | ![](ex99-8sch1_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/24/2025 11:23:47 AM** | **Run Date - 10/24/2025 11:23:47 AM** | **Run Date - 10/24/2025 11:23:47 AM** | **Run Date - 10/24/2025 11:23:47 AM** | **Run Date - 10/24/2025 11:23:47 AM** | **Run Date - 10/24/2025 11:23:47 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| [Redacted] | [Redacted] | [Redacted] | 1 |  |  | C | C | C | C | C |  | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | B | B | B | A | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 2 |  |  | C | C | C | C | C |  | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | N/A | A | C | C | C | C | C |
| [Redacted] | [Redacted] | [Redacted] | 3 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 4 |  |  | B | B | B | B | B |  | A | A | A | A | A | A | A | A | N/A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 5 |  |  | A | A | A | A | A |  | C | C | C | C | C | A | A | A | N/A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 6 |  |  | C | C | C | C | C |  | C | C | C | C | C | A | A | A | N/A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 7 |  |  | C | C | C | C | C |  | A | A | A | A | A | A | A | A | N/A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 8 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 9 |  |  | A | A | A | A | A |  | C | C | C | C | C | A | A | A | N/A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 10 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 11 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 12 |  |  | A | A | A | A | A |  | C | C | C | C | C | A | A | A | N/A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 13 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 14 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 15 |  |  | B | B | B | B | B |  | A | A | A | A | A | N/A | A | N/A | N/A | D | B | B | B | B | D | B | B | B | B | B | A | A | A | A | A | A | A | A | N/A | B | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 16 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 17 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 18 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 19 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 20 |  |  | A | A | A | A | A |  | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 21 |  |  | A | A | A | A | A |  | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | B | A | A | A | A | B |
| [Redacted] | [Redacted] | [Redacted] | 22 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 23 |  |  | B | B | B | B | B |  | C | C | C | C | C | A | A | A | N/A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 24 |  |  | C | C | C | C | C |  |  |  |  |  |  | A | A | A | N/A | A | C | C | C | C | C | A | A | A | A | A |  |  |  |  |  | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 25 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 26 |  |  | C | C | C | C | C |  | B | B | B | B | B | A | A | A | N/A | A | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 27 |  |  | A | A | A | A | A |  | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 28 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 29 |  |  | A | A | A | A | A |  | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D | A | A | A | A | A | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D |
| [Redacted] | [Redacted] | [Redacted] | 30 |  |  | A | A | A | A | A |  | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D | A | A | A | A | A | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D |
| [Redacted] | [Redacted] | [Redacted] | 31 |  |  | C | C | C | C | C |  | B | B | B | B | B | A | A | A | N/A | B | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | A | A | A | N/A | B | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 32 |  |  | C | C | C | C | C |  | A | A | A | A | A | N/A | A | N/A | N/A | D | C | C | C | C | D | B | B | B | B | B | A | A | A | A | A | N/A | A | N/A | N/A | D | B | B | B | B | D |
| [Redacted] | [Redacted] | [Redacted] | 34 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 36 |  |  | C | C | C | C | C |  | A | A | A | A | A | A | A | A | N/A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 37 |  |  | B | B | B | B | B |  | B | B | B | B | B | A | A | A | N/A | B | B | B | B | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | N/A | B | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 38 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 39 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 40 |  |  | C | C | C | C | C |  | A | A | A | A | A | A | A | A | N/A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | N/A | A | C | C | C | C | C |
| [Redacted] | [Redacted] | [Redacted] | 41 |  |  | C | C | C | C | C |  | B | B | B | B | B | A | A | A | N/A | A | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 42 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 43 |  |  | C | C | C | C | C |  | A | A | A | A | A | A | A | A | N/A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | N/A | A | C | C | C | C | C |
| [Redacted] | [Redacted] | [Redacted] | 44 |  |  | C | C | C | C | C |  | A | A | A | A | A | A | A | A | N/A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 45 |  |  | A | A | A | A | A |  | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D | A | A | A | A | A | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D |
| [Redacted] | [Redacted] | [Redacted] | 46 |  |  | C | C | C | C | C |  | A | A | A | A | A | A | A | A | N/A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 47 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 48 |  |  | A | A | A | A | A |  | C | C | C | C | C | A | A | A | N/A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 50 |  |  | A | A | A | A | A |  | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D | A | A | A | A | A | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D |
| [Redacted] | [Redacted] | [Redacted] | 52 |  |  | A | A | A | A | A |  | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | N/A | A | B | B | B | B | B |
| [Redacted] | [Redacted] | [Redacted] | 53 |  |  | B | B | B | B | B |  | A | A | A | A | A | N/A | A | N/A | N/A | D | B | B | B | B | D | B | B | B | B | B | A | A | A | A | A | N/A | A | N/A | N/A | D | B | B | B | B | D |
| [Redacted] | [Redacted] | [Redacted] | 55 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 57 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 58 |  |  | A | A | A | A | A |  | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D | A | A | A | A | A | A | A | A | A | A | N/A | A | N/A | N/A | D | A | A | A | A | D |
| [Redacted] | [Redacted] | [Redacted] | 60 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 61 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 62 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 63 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 64 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |
| [Redacted] | [Redacted] | [Redacted] | 66 |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-8sch1_002.jpg) | ![](ex99-8sch1_002.jpg) | ![](ex99-8sch1_002.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/24/2025 11:23:47 AM** | **Run Date - 10/24/2025 11:23:47 AM** | **Run Date - 10/24/2025 11:23:47 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30604552 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2024-05-28): Exception is informational only and does not impact grading. |  |  | 05/28/2024 | 3 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30605064 |  |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30605273 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [redacted] due to calculated DTI exceeds guidelines. |  |  |  | Reviewer Comment (2024-06-06): Exception cleared. The guidelines allow UW to approve up to [redacted]%. | 06/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30605274 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. |  |  |  | Reviewer Comment (2024-06-04): Client restated loan designation to Non QM. | 06/04/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30605275 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted] AM. |  |  |  |  | Reviewer Comment (2024-06-06): Exception cleared. | 06/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | Yes |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30605280 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to calculated DTI exceeds guidelines. |  |  |  | Reviewer Comment (2024-06-04): Client restated loan designation to Non QM. | 06/04/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | Yes |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30605288 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]% |  |  |  | Reviewer Comment (2024-06-06): Exception cleared. The guidelines allow UW to approve up to [redacted]%. | 06/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30605350 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to calculated DTI exceeds guidelines. |  |  |  | Reviewer Comment (2024-06-06): Exception cleared. The guidelines allow UW to approve up to [redacted]%. | 06/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30692426 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Client restated loan designation to Non QM. |  |  |  | Reviewer Comment (2024-06-06): Exception cleared. The guidelines allow UW to approve up to [redacted]%. | 06/06/2024 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | Yes |
| [Redacted] | [Redacted] | [Redacted] | 1 | 30706852 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restated loan designation to NonQM. |  |  |  |  |  |  |  | 2 |  | A |  | B |  | B |  | B |  | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30604204 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2024-05-28): Exception is informational only and does not impact grading. |  |  | 05/28/2024 | 3 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30604205 |  |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30604254 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement cost estimator is required to verify the shortfall coverage amount. |  |  |  | Reviewer Comment (2025-10-24): Client states that the servicer will force place any gap in required insurance coverage if the borrower does not true up the necessary amount of insurance. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | WA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30604266 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2024-06-06): Exception cleared. 1008 provided. | 06/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30604329 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APOR is exceeding by [redacted]% due to which we are getting this exception. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30604330 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Copy of appraisal is required to be delivered to borrower within [redacted] business days prior to closing. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30604333 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | DTI is exceeding the maximum allowable dti of [redacted]% due to which we are getting this exception. |  |  |  | Reviewer Comment (2024-06-04): Client restated loan designation to Non QM. | 06/04/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | Yes |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30604334 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. | APOR is exceeding by [redacted]% due to which we are getting this exception. |  |  |  | Reviewer Comment (2024-06-04): Client restated loan designation to Non QM. | 06/04/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 2 | 30692396 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restated loan designation to Non QM. |  |  |  |  |  |  |  | 2 |  | A |  | B |  | B |  | B |  | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | C | C | C | C | B | A | A | Higher Priced QM (APOR) | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 4 | 34236882 |  |  | 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. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-04-14): Supplement report received and updated .Exception cleared<br>Seller Comment (2025-04-14): You can find the Title Insurance Coverage on page [redacted] of the [redacted]. Please review it and waive the condition accordingly.<br> PIL.pdf (Title Insurance) was uploaded | 04/14/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | A | B | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 5 | 34236883 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-06-12): Attestation received for business day, exception cleared.<br>Seller Comment (2025-06-11): Please see attestation, certifying that [redacted] is counted as a business day. Could you please waive the HPML related conditions?<br>Reviewer Comment (2025-06-06): APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%.<br>Seller Comment (2025-06-04): The appraisal report was delivered on [redacted] and [redacted], which shows the report was delivered [redacted] days prior to the consummation. The form in the loan docs also confirms that. | 06/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 5 | 34236887 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Borrower did not receive a copy of each valuation to three business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-12): Attestation received for business day, exception cleared.<br>Seller Comment (2025-06-11): Please see attached attestation and kindly waive the HPML related conditions<br> ATTESTATION.pdf (Unclassified) was uploaded<br>Seller Comment (2025-06-11): As it is seen in the discrepancy in counting business days, we do count [redacted] as a business day. <br> Could you please advise and specify on what verbiage should be included in the attestation?<br>Reviewer Comment (2025-06-06): Documentation to confirm that the borrower received the appraisal [redacted] Business days prior to closing date of [redacted] is not located in the file.<br>Seller Comment (2025-06-04): The appraisal report was delivered on [redacted] and [redacted], which shows the report was delivered [redacted] days prior to the consummation. The form in the loan docs also confirms that. Could you please review the documents and kindly waive this and correlated condition regarding this loan file?<br> ACKNOWLEDGEMENT OF RECEIPT OF APP REP.pdf (Unclassified) was uploaded | 06/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 6 | 34236890 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Policy states there is extended replacement coverage however it does not provide either a % or dollar amount of the extended coverage. |  |  |  | Reviewer Comment (2025-06-18): Replacement cost estimator document received. Exception cleared.<br>Seller Comment (2025-06-17): Please find the attached RCE.<br> RCE.pdf (Homeowners Policy) was uploaded<br>Reviewer Comment (2025-06-06): Please provide replacement cost amount or Extended replacement coverage percentage/amount as available document only shows Expanded Replacement cost "YES" which does not suffice the exception. Exception Remains.<br>Seller Comment (2025-06-03): The EOI clearly indicates both Replacement Cost Coverage: Yes and Extended Replacement Cost: Yes, confirming coverage above standard replacement limits. While no explicit % or $ amount is listed, affirmative indication of extended coverage meets standard industry documentation. Please clarify if investor guidelines specifically require the numerical value to be disclosed on the EOI, or if current documentation is acceptable. | 06/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 6 | 34236892 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  | Reviewer Comment (2025-06-26): Received corrected RTC along with evidence of borrowers receipt. Condition cleared.<br>Seller Comment (2025-06-23): Correct [redacted] was executed (signed [redacted] and no later than midnight of [redacted]) is in trainsit. Tracking# [redacted]. ETA is [redacted].<br> [redacted] Detailed Tracking.pdf (Delivery Confirmation) was uploaded<br>Reviewer Comment (2025-06-13): This issue was escalated on [redacted]. This was the response received: [redacted] has had numerous discussions with its outside counsel regarding the grading severity when using an inaccurate rescission expiration date, despite disbursement taking place at a later date. An inaccurate rescission expiration date would occur when the field is left blank altogether or reflects a date that is sooner than the third business day after the latest of three events named under the regulation (namely, ([redacted]) transaction date, ([redacted]) delivery of material disclosures, and ([redacted]) delivery of rescission notice). Counsel has consistently held that an inaccurate date should be cited as an EV3-C level exception having not met the requirement to disclose "clearly and conspicuous" under § 1026.23(b)(1). <br> Exception can be cured through the reopening of rescission to ensure that the rescission possibility is extinguished. New rescission can be provided with Transaction Date of [redacted] and a new rescission expiration date which must be at least three-business days from when consumer receives the new rescission notice. We would require proof of delivery as part of the cure to ensure the requisite three days have been given.<br>Seller Comment (2025-06-13): Could you please provide us an update if uploaded Right to Cancel would suffice to clear the condition as stated earlier in previous comment?<br>Seller Comment (2025-06-10): We apologize for the confusion regarding the previously uploaded Right to Cancel form. The version initially uploaded was incorrect and included the wrong rescission dates due to an internal oversight. The borrowers physically returned to the office to re-sign due to the incorrect date. The attached version reflects the accurate rescission dates and was properly executed in the office. With above considered, Could you please kindly help clear this exception?<br> right to cancel.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-06-10): Issue was escalated. Response: [redacted] has had numerous discussions with its outside counsel regarding the grading severity when using an inaccurate rescission expiration date, despite disbursement taking place at a later date. An inaccurate rescission expiration date would occur when the field is left blank altogether or reflects a date that is sooner than the third business day after the latest of three events named under the regulation (namely, ([redacted]) transaction date, ([redacted]) delivery of material disclosures, and ([redacted]) delivery of rescission notice). Counsel has consistently held that an inaccurate date should be cited as an EV3-C level exception having not met the requirement to disclose "clearly and conspicuous" under § 1026.23(b)(1). <br> Exception can be cured through the reopening of rescission to ensure that the rescission possibility is extinguished. New rescission can be provided with Transaction Date of [redacted] and a new rescission expiration date which must be at least three-business days from when consumer receives the new rescission notice. We would require proof of delivery as part of the cure to ensure the requisite three days have been given.<br>Reviewer Comment (2025-06-10): Issue has been escalated. Will advise once response has been received.<br>Seller Comment (2025-06-10): Could you please provide a comment from this condition?<br>Seller Comment (2025-06-05): We respectfully request an exception regarding the RTC expiration date. The Notice of Right to Cancel reflected [redacted] as the rescission end date; however, we acknowledge that this date fell on a federal holiday (Memorial Day), and the correct rescission period should have extended through [redacted]. The loan disbursed on [redacted], which is one business day after the corrected rescission period would have ended. Given that the borrower had the full three business days as required under TILA, and the disbursement did not occur until after the rescission period expired, we respectfully ask for your consideration of this exception. Thank you for your consideration. | 06/26/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 7 | 34236897 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA documentation is missing for REO properties. The tax and insurance documentation is missing for the [redacted] and Avenue [redacted] properties. |  |  |  | Reviewer Comment (2025-06-16): Vacant land<br>Seller Comment (2025-06-11): Property profile does not reflect the full address but zip code is [redacted] and it shows vacant land.<br> PROP - [redacted].pdf (Unclassified) was referenced<br>Seller Comment (2025-06-11): Please find the property profole for [redacted].<br> PROP - [redacted].pdf (Unclassified) was referenced<br>Reviewer Comment (2025-06-11): File is still missing REO documentation for [redacted] property.<br>Seller Comment (2025-06-09): Please find attached the property profile for the property of [redacted] and [redacted]. Thoese are vacant lands with no mortgage. For [redacted], the property is SFR and there is no HOA.<br> PROP - [redacted].pdf (Unclassified) was referenced | 06/16/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 7 | 34236898 |  |  | 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. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. |  |  |  | Reviewer Comment (2025-06-10): Title Coverage amount updated from Title Supplement. Exception cleared.<br>Seller Comment (2025-06-08): Please find the supplemental title report on page [redacted] in the closed pacakge. It reflects the new loan amount of $[redacted]. | 06/10/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 9 | 34236913 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount Financed disclosed is $[redacted]. Calculated Amount Financed of $[redacted]. Variance of $[redacted], due to APR variance of [redacted]%. |  |  |  | Reviewer Comment (2025-07-01): Corrected CD, LOE to borrower, cure refund and proof of mailing. Extended rescission exception added for proof of reopening of rescission to all consumers is required to finalize cure requirements.<br>Reviewer Comment (2025-07-01): ror<br>Reviewer Comment (2025-07-01): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD. Missing re-opened rescission (separate exception set).<br>Seller Comment (2025-06-30): CURE LETTER, DELIVERY OF PROOF, COPY OF REFUND CHECK, RECIEPT - All documents verify that cure for the additional finance charge is completed for the borrower. Please help clear conditions related with the TRID.<br>Reviewer Comment (2025-06-25): [redacted] received Corrected CD and Final borrower settlement statement. Missing copy of LOE to borrower which accompanied the [redacted] Corrected CD<br>Seller Comment (2025-06-23): Please see attached revised final closing statements certified by Escrow which $[redacted](Recording service fee & sub-escrow fee) has been cured. POST CD was updated, and its finance charge and total of payment is verified to be cured also. |  | 07/01/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 9 | 34236914 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold |  |  |  | Reviewer Comment (2025-07-01): Corrected CD, LOE to borrower, cure refund and proof of mailing. Extended rescission exception added for proof of reopening of rescission to all consumers is required to finalize cure requirements.<br>Reviewer Comment (2025-07-01): ror<br>Reviewer Comment (2025-07-01): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD. Missing re-opened rescission (separate exception set).<br>Seller Comment (2025-06-30): CURE LETTER, DELIVERY OF PROOF, COPY OF REFUND CHECK, RECIEPT - All documents verify that cure for the additional finance charge is completed for the borrower. Please help clear conditions related with the TRID.<br>Reviewer Comment (2025-06-25): [redacted] received Corrected CD and Final borrower settlement statement. Missing copy of LOE to borrower which accompanied the [redacted] Corrected CD<br>Seller Comment (2025-06-23): Please see attached revised final closing statements certified by Escrow which $[redacted](Recording service fee & sub-escrow fee) has been cured. POST CD was updated, and its finance charge and total of payment is verified to be cured also. |  | 07/01/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 9 | 34236915 |  |  | 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. | 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. |  |  |  | Reviewer Comment (2025-07-01): Corrected CD, LOE to borrower, cure refund and proof of mailing. Extended rescission exception added for proof of reopening of rescission to all consumers is required to finalize cure requirements.<br>Reviewer Comment (2025-07-01): ror<br>Reviewer Comment (2025-07-01): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD. Missing re-opened rescission (separate exception set).<br>Seller Comment (2025-06-30): CURE LETTER, DELIVERY OF PROOF, COPY OF REFUND CHECK, RECIEPT - All documents verify that cure for the additional finance charge is completed for the borrower. Please help clear conditions related with the TRID.<br> [redacted]_Cure letter, Delivery, Copy of refund check, receipt.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-06-25): [redacted] received Corrected CD and Final borrower settlement statement. Missing copy of LOE to borrower which accompanied the [redacted] Corrected CD<br>Seller Comment (2025-06-23): Please see attached revised final closing statements certified by Escrow which $[redacted](Recording service fee & sub-escrow fee) has been cured. POST CD was updated, and its finance charge and total of payment is verified to be cured also.<br> Updated POST CD.pdf (Unclassified) was uploaded<br>Seller Comment (2025-06-23): Please see attached revised final closing statements certified by Escrow which $[redacted](Recording service fee & sub-escrow fee) has been cured. POST CD was updated, and its finance charge and total of payment is verified to be cured also.<br> Revised Certified FSS.pdf (Unclassified) was uploaded<br>Seller Comment (2025-06-23): Please see attached revised final closing statements certified by Escrow which $[redacted] (Recording service fee & sub-escrow fee) has been cured. POST CD was updated, and its finance charge and total of payment is verified to be cured also.<br> Revised Certified FSS.pdf (Unclassified) was uploaded |  | 07/01/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | 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 i(required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 9 | 34236916 |  |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights ([redacted] years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  |  |  |  |  | Reviewer Comment (2025-07-10): [redacted] received executed RTC's by all consumers, LOE and proof emailed to consumers on [redacted] supporting the [redacted] sign date.<br>Reviewer Comment (2025-07-10): [redacted] received RTC's signed on [redacted], LOE & FedEx tracking reflecting ship date of [redacted] & delivered [redacted]. FedEx tracking reflects that package was not shipped until [redacted] and delivered [redacted], but was signed on [redacted] prior to the ship date. Please provide explanation and documentation that supports the RTC's were sent/delivered prior to [redacted] as this would be a discrepancy on dates consumers received RTC's to reopen rescission.<br>Reviewer Comment (2025-07-10): Seller: Regarding the NORTC condition, we would like to kindly clarify the following : <br> • Since the original NORTC was not required, we promptly sent the corrected NORTC via email on [redacted] for borrower's signature to avoid further delays. <br> • The borrower signed the form on [redacted], and the rest of the documents were delivered to the borrower on [redacted], creating a short timing gap. <br> • For your reference, we have attached email communication from [redacted] showing the delivery of the re-signed NORTC. <br> Given that we have clearly addressed the timing discrepancy between the borrower's sign date on the NORTC and the delivery date of the remaining documents and that all required cure-related disclosures have now been provided to the borrower, we respectfully request your reconsideration to clear this condition.<br>Seller Comment (2025-07-06): Re-Opening of Rescission(NORTC) & LOE & Proof of Delivery for the condition documents.<br> NORTC, LOE, DELIVERY OF PROOF.pdf (Unclassified) was uploaded |  | 07/10/2025 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 12 | 34236927 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. |  |  |  |  | Reviewer Comment (2025-06-25): Updated Final Closing disclosure disbursement date and verified. Exception cleared.<br>Buyer Comment (2025-06-23): Per the NORTC Doc ID [redacted] & [redacted], the cancellation is no later than midnight of [redacted], per the Final CD Doc ID [redacted] the loan did not disburse until [redacted], requirements were met. | 06/25/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 15 | 34236940 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-10): Client is not securitizing. If loan is to be securitized exception must be reopened.<br>Buyer Comment (2025-07-10): Per guidelines, [redacted] unit < $[redacted]: AVM with Average to High score. No secondary valuation required. Please escalate.<br>Reviewer Comment (2025-07-07): Unable to clear. The exterior & interior inspection report does not contain a value. A secondary valuation report is required.<br>Buyer Comment (2025-07-01): [redacted]rd Party Exterior & Interior Inspection report dated [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted], along with the AVM at a [redacted]% Confidence Factor under doc ID [redacted]. | 07/10/2025 |  |  | 1 | N/A | A | A | A | N/A | A |  | A | D | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | B | B | B | A | A | D | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 15 | 34236944 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | AVM provided as a primary valuation on a [redacted]nd lien. Rating is a B for S&P per [redacted] Securitization Bulletin. S&P expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B". |  |  |  | Reviewer Comment (2025-07-10): Client elects to waive.<br>Reviewer Comment (2025-07-10): It's a B for S&P, but an A for everything else. You may waive it you like.<br>Buyer Comment (2025-07-10): Per guidelines, [redacted] unit < $[redacted]: AVM with Average to High score. No secondary valuation required. Please escalate.<br>Reviewer Comment (2025-07-07): Unable to clear. The exterior & interior inspection report does not contain a value. A secondary valuation report is required.<br>Buyer Comment (2025-07-01): [redacted]rd Party Exterior & Interior Inspection report dated [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted], along with the AVM at a [redacted]% Confidence Factor under doc ID [redacted]. |  |  | 07/10/2025 | 2 | A | A | A | A | A | A |  |  | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | B | B | B | A | A | D | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 15 | 34236946 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [redacted] fico below minimum guideline score of [redacted] is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[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 the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-01): Client elected to waive exceptions with compensating factors. |  |  | 07/01/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | B | B | B | A | A | D | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 20 | 34236965 |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Disclosure is missing. |  |  |  | Reviewer Comment (2025-07-29): FACTA Disclosure document received and verified. Exception cleared<br>Buyer Comment (2025-07-25): Credit Score Disclosure uploaded for review. | 07/29/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | A | A | A | B | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 21 | 34236968 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-30): Cleared. Client is not securitizing, if loan is to be securitized exception must be re opened.<br>Buyer Comment (2025-07-25): Secondary valuation was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 07/30/2025 |  |  | 1 | N/A | A | A | A | N/A | A | D | A | D | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | A | A | A | A | D | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 21 | 34236969 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-30): Client elects to waive.<br>Reviewer Comment (2025-07-30): AVM provided as a primary valuation on a [redacted] nd lien. Rating is a B for S&P per [redacted] Securitization Bulletin. S&P expects an origination valuation to be conducted that meets industry standards. If the initial product is not an appraisal but has a supporting valuation the loan will receive a grade of "B"<br>Buyer Comment (2025-07-25): Secondary valuation was included in the initial shipping package and is located in your portal under doc ID [redacted]. |  |  | 07/30/2025 | 2 | A | A | A | A | A | A |  |  | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | A | A | A | A | D | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 23 | 34236977 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Approved: [redacted]st Mortgage must have a remaining I/O term of [redacted] years and current [redacted] mortgage has a remaining IO term of [redacted] years. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Combined Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator | Reviewer Comment (2025-07-24): Client elected to waive exceptions with compensating factors. |  |  | 07/24/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 23 | 34236981 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. |  |  |  | Reviewer Comment (2025-07-31): Post Close CD received, exception cleared.<br>Buyer Comment (2025-07-30): Submitted PCCD with LOE and Disclosure Tracking for review. | 07/31/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 24 | 34236987 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | File is missing verification of [redacted] months rent required to allow lease to be used in DSCR calculation. Market rent is lower than lease. |  |  |  | Reviewer Comment (2025-06-23): No new document provided. Per bank statement, $[redacted] was received on [redacted] ([redacted]\*$[redacted]Rent + Security deposit $[redacted]). Exception cleared.<br>Buyer Comment (2025-06-20): Rental is paid annually and is documented by xx stmt under doc ID [redacted]. | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 25 | 34479874 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-17): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/17/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 26 | 34485895 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-17): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/17/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 26 | 34485912 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | Borrower has verified disposable income of at least $2500.00. |  | SitusAMC | Reviewer Comment (2025-10-20): Client attests that servicer has had contact with borrower and there has been no notification regarding damage to subject. |  |  | 10/20/2025 | 1 | C | B | C | B | C | B | C | B | C | B |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 26 | 34486100 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Lender named on Appraisal differs from Lender on Note. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 27 | 34481659 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 27 | 34481661 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal delivered to the borrower not provided. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 27 | 34481692 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-17): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/17/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 28 | 34479915 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 29 | 34487830 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 29 | 34487831 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | N/A | N/A | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 29 | 34487835 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 30 | 34489551 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 30 | 34489552 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | N/A | N/A | A | A | N/A | N/A |  |  | D | D |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 30 | 34489553 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 34491247 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | B | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 34491250 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | MA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | B | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 34491276 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrower's FICO of [redacted]is less than [redacted]required for subject owner occupied refinance with [redacted]% LTV. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-20): Waived and regraded to EV2/B with compensating factors. |  |  | 10/20/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | MA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | B | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 31 | 34495934 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | B | B | B | B | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 32 | 34487281 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | D | D | C | B | A | A | D | D | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 32 | 34487283 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | Borrower has owned the subject property for at least 5 years. |  | SitusAMC | Reviewer Comment (2025-10-20): Client attests that servicer has had contact with borrower and there has been no notification regarding damage to subject. |  |  | 10/20/2025 | 1 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Refinance - Cash-out - Other |  | D | D | C | B | A | A | D | D | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 32 | 34487286 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Investment | Refinance - Cash-out - Other |  | D | D | C | B | A | A | D | D | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 32 | 34487288 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | N/A | N/A | A | A | N/A | N/A |  |  | D | D |  | CA | Investment | Refinance - Cash-out - Other |  | D | D | C | B | A | A | D | D | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 34 | 34479823 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 36 | 34485392 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 36 | 34485409 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | Borrower has owned the subject property for at least 5 years. |  | SitusAMC | Reviewer Comment (2025-10-20): Client attests that servicer has had contact with borrower and there has been no notification or indication of damage to the subject. |  |  | 10/20/2025 | 1 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 34485565 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | B | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 34485566 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | B | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 34485570 |  |  | 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. |  | title final missing on file |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | B | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 37 | 34485574 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's missing on file |  |  |  |  |  |  |  | 1 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | B | B | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 38 | 34490962 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 39 | 34487359 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 40 | 34490894 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-10-22): No impact on grading. |  |  | 10/22/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 40 | 34490895 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower has verified disposable income of at least $2500.00. |  | SitusAMC | Reviewer Comment (2025-10-20): Client attests that servicer has had contact with borrower and there has been no notification regarding damage to subject. |  |  | 10/20/2025 | 1 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Refinance - Cash-out - Other |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 40 | 34490897 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient, So please provide HOI Policy Or Replacement Cost Etismator |  |  |  | Reviewer Comment (2025-10-24): Client states that the servicer will force place any gap in required insurance coverage if the borrower does not true up the necessary amount of insurance. |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | FL | Primary | Refinance - Cash-out - Other |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 34491191 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 34491223 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on Final Disclosure APR of [redacted]% is greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 34496084 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal in the file is dated post close. |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 41 | 34496105 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower has verified disposable income of at least $2500.00. |  | SitusAMC | Reviewer Comment (2025-10-20): Client attests that servicer has had contact with borrower and there has been no notification regarding damage to subject. |  |  | 10/20/2025 | 1 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 42 | 34485597 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 43 | 34490872 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 43 | 34490967 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in FEMA disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. | Borrower has verified disposable income of at least $2500.00. |  | SitusAMC | Reviewer Comment (2025-10-20): Client attests that servicer has had contact with borrower and there has been no notification regarding damage to subject. |  |  | 10/20/2025 | 1 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Refinance - Cash-out - Other |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 43 | 34490972 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the note date of [redacted]. |  |  |  |  |  |  |  | 3 | C | C | C | C | C | C | C | C | C | C |  | NC | Primary | Refinance - Cash-out - Other |  | C | C | C | C | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 44 | 34488011 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 44 | 34488022 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. | Borrower has verified disposable income of at least $2500.00. |  | SitusAMC | Reviewer Comment (2025-10-20): Client attests that servicer has had contact with borrower and there has been no notification regarding damage to subject. |  |  | 10/20/2025 | 1 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 34488146 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | N/A | N/A | A | A | N/A | N/A |  |  | D | D |  | AZ | Investment | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 34488149 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | AZ | Investment | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 45 | 34488150 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | AZ | Investment | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 46 | 34487363 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | The rating agencies must specifically approve the client for this reduced scope |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 46 | 34487365 |  |  | 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. |  | Final title policy is missing in loan file |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 46 | 34487373 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower has verified disposable income of at least $2500.00. |  | SitusAMC | Reviewer Comment (2025-10-20): Client attests that servicer has had contact with borrower and there has been no notification regarding damage to subject. |  |  | 10/20/2025 | 1 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 47 | 34487845 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | This profile contains a reduced scope for subordinate liens. |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 48 | 34486324 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 48 | 34486344 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NV | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 48 | 34486345 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NV | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 50 | 34487927 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 50 | 34487928 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 | N/A | N/A | A | A | N/A | N/A |  |  | D | D |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 50 | 34487929 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 52 | 34490982 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 52 | 34490985 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 1 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 53 | 34487467 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 53 | 34487469 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The supporting secondary valuation is missing. |  |  |  |  |  |  |  | 3 | N/A | N/A | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 53 | 34487471 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  | The rating agencies must specifically approve the client for this reduced scope |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 53 | 34487472 |  |  | 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. |  |  |  |  |  |  |  |  |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 55 | 34490929 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Investment | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 57 | 34487861 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Investment | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | N/A | N/A | No |
| [Redacted] | [Redacted] | [Redacted] | 58 | 34490934 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | We accept the AVM Appraisal |  |  |  |  |  |  |  | 2 | A | A | A | A | A | A |  |  | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 58 | 34490935 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | We accept the AVM Appraisal |  |  |  |  |  |  |  | 3 | N/A | N/A | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 58 | 34490936 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  |  | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 60 | 34491067 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 61 | 34491170 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 62 | 34490983 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 63 | 34491006 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): "Client acknowledges exception, which is informational only and does not impact grading." |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 64 | 34491055 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| [Redacted] | [Redacted] | [Redacted] | 66 | 34491097 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  | Reviewer Comment (2025-09-18): Exception waived. |  |  | 09/18/2025 | 3 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-8sch3_001.jpg) | ![](ex99-8sch3_001.jpg) | ![](ex99-8sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/24/2025 11:23:47 AM** | **Run Date - 10/24/2025 11:23:47 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is 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** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redacted] | [Redacted] | [Redacted] | 1 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| [Redacted] | [Redacted] | [Redacted] | 2 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| [Redacted] | [Redacted] | [Redacted] | 3 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 4 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| [Redacted] | [Redacted] | [Redacted] | 5 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.120% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| [Redacted] | [Redacted] | [Redacted] | 6 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 |
| [Redacted] | [Redacted] | [Redacted] | 7 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 8 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted] | [Redacted] | [Redacted] | 9 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 10 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.700% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redacted] | [Redacted] | [Redacted] | 11 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.840% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [Redacted] | [Redacted] | [Redacted] | 12 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 13 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 14 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [Redacted] | [Redacted] | [Redacted] | 15 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 16 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 17 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -11.870% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redacted] | [Redacted] | [Redacted] | 18 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 19 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 20 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.120% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 21 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redacted] | [Redacted] | [Redacted] | 22 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redacted] | [Redacted] | [Redacted] | 23 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 24 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 23.140% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redacted] | [Redacted] | [Redacted] | 25 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 5.00 |
| [Redacted] | [Redacted] | [Redacted] | 26 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 27 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| [Redacted] | [Redacted] | [Redacted] | 28 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| [Redacted] | [Redacted] | [Redacted] | 29 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 30 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 31 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 32 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 34 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 36 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 37 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 38 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 39 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 40 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 41 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 42 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 43 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| [Redacted] | [Redacted] | [Redacted] | 44 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 45 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 46 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redacted] | [Redacted] | [Redacted] | 47 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 48 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 50 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 52 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 53 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 55 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 57 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| [Redacted] | [Redacted] | [Redacted] | 58 |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 60 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [Redacted] | [Redacted] | [Redacted] | 61 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | 62 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -20.220% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| [Redacted] | [Redacted] | [Redacted] | 63 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.000% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | 64 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
| [Redacted] | [Redacted] | [Redacted] | 66 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-8sch4_001.jpg) | ![](ex99-8sch4_001.jpg) | ![](ex99-8sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/24/2025 11:23:48 AM** | **Run Date - 10/24/2025 11:23:48 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** |
| [Redacted] | [Redacted] | [Redacted] | 24 |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4900.00 | Rent on Existing Lease | $4875.58 |  | 0.000000 | 1 |  |  | 1.01 | 1.01 | $4875.58 |  |  | Yes | 07/06/2024 | 07/05/2025 | 12 | Long Term | $4900.00 | $4300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $289.91 | $134.50 | Level 4-Stated/Verified as defined | No | 1 | 15 | No | No | No | Experienced Investor | 1.86 | US Citizen | US Citizen | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/21/2025 | 763 | Fair Isaac (VER. 2) | 750 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/21/2025 | 767 | Fair Isaac (VER. 2) | 793 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 32 |  |  |  |  |  | No |  |  |  |  |  |  |  | $2695.83 |  | 0.349471 |  |  |  |  |  | $2695.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $372.17 | $108.51 | Level 1-Not Stated/Not Verified |  |  |  | No | No |  |  | 9.08 | US Citizen |  | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Unemployed |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 05/30/2024 | 809 | Fair Isaac (VER. 2) | 808 | FICO Classic V5 Facta | 793 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 45 |  |  |  |  |  | No |  |  |  |  |  |  |  | $1499.88 |  | 0.429541 |  |  |  |  |  | $1499.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $86.85 | $114.33 | Level 1-Not Stated/Not Verified |  |  |  | No | No |  |  | 19.86 | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 06/27/2024 | 788 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 55 |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $11109.08 |  | 0.489899 |  |  |  |  |  | $11109.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1617.37 | $930.57 | Level 1-Not Stated/Not Verified |  |  |  | No |  | No |  | 3.48 |  | US Citizen | 700 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity | Unemployed |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Individual | Employed |  |  | 9 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 05/30/2024 | 706 | Fair Isaac (VER. 2) | 700 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |
| [Redacted] | [Redacted] | [Redacted] | 57 |  |  |  |  |  | No |  |  |  |  |  |  |  | $2611.00 |  | 0.422281 |  |  |  |  |  | $2611.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $304.62 | $221.83 | Level 1-Not Stated/Not Verified |  |  |  | No | No |  |  | 6.17 | US Citizen |  | 674 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 07/18/2024 | 654 | Fair Isaac (VER. 2) | 684 | FICO Classic V5 Facta | 674 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Investor Loan Number** | **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** |
| 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 13.333% | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | [Redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 5**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](ex99-8sch5_001.jpg) | ![](ex99-8sch5_001.jpg) | ![](ex99-8sch5_001.jpg) | ![](ex99-8sch5_001.jpg) | ![](ex99-8sch5_001.jpg) |
| **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** | **Data Compare Summary (Total)** |
| **Run Date - 10/24/2025 11:18:20 AM** | **Run Date - 10/24/2025 11:18:20 AM** | **Run Date - 10/24/2025 11:18:20 AM** | **Run Date - 10/24/2025 11:18:20 AM** | **Run Date - 10/24/2025 11:18:20 AM** |
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 7 | 58 | 12.07% | 58 |
| City | 2 | 58 | 3.45% | 58 |
| State | 0 | 58 | 0.00% | 58 |
| Zip | 0 | 58 | 0.00% | 58 |
| Borrower First Name | 5 | 58 | 8.62% | 58 |
| Borrower Last Name | 2 | 58 | 3.45% | 58 |
| Note Date | 42 | 58 | 72.41% | 58 |
| Original Loan Amount | 0 | 58 | 0.00% | 58 |
| First Payment Date | 8 | 58 | 13.79% | 58 |
| Maturity Date | 8 | 12 | 66.67% | 58 |
| Amortization Type | 0 | 24 | 0.00% | 58 |
| Occupancy | 0 | 12 | 0.00% | 58 |
| Purpose | 0 | 58 | 0.00% | 58 |
| LTV Valuation Value | 0 | 14 | 0.00% | 58 |
| Original Term | 0 | 56 | 0.00% | 58 |
| Original Interest Rate | 0 | 56 | 0.00% | 58 |
| Representative FICO | 3 | 56 | 5.36% | 58 |
| Property Type | 7 | 56 | 12.50% | 58 |
| Lien Position | 0 | 56 | 0.00% | 58 |
| Contract Sales Price | 12 | 12 | 100.00% | 58 |
| Refi Purpose | 0 | 22 | 0.00% | 58 |
| Original CLTV | 3 | 56 | 5.36% | 58 |
| Original LTV | 0 | 56 | 0.00% | 58 |
| Investor: Qualifying Total Debt Ratio | 6 | 55 | 10.91% | 58 |
| Borrower SSN | 9 | 10 | 90.00% | 58 |
| Coborrower First Name | 0 | 9 | 0.00% | 58 |
| Coborrower Last Name | 2 | 9 | 22.22% | 58 |
| Coborrower SSN | 1 | 1 | 100.00% | 58 |
| Amortization Term | 7 | 10 | 70.00% | 58 |
| Original P&I | 8 | 44 | 18.18% | 58 |
| Interest Only | 8 | 10 | 80.00% | 58 |
| Doc Type | 8 | 10 | 80.00% | 58 |
| Appraised Value | 8 | 44 | 18.18% | 58 |
| # of Units | 0 | 10 | 0.00% | 58 |
| Cash To Borrower | 9 | 10 | 90.00% | 58 |
| Appraisal Effective Date | 9 | 10 | 90.00% | 58 |
| Product Description | 9 | 10 | 90.00% | 58 |
| Neg Am | 8 | 10 | 80.00% | 58 |
| Borrower FTHB | 9 | 10 | 90.00% | 58 |
| Coborrower FTHB | 1 | 1 | 100.00% | 58 |
| Total Income | 9 | 10 | 90.00% | 58 |
| Original HLTV | 9 | 10 | 90.00% | 58 |
| Escrow Account | 6 | 10 | 60.00% | 58 |
| PITIA Reserves Months | 9 | 10 | 90.00% | 58 |
| Borrower Citizenship | 1 | 10 | 10.00% | 58 |
| Coborrower Citizenship | 0 | 1 | 0.00% | 58 |
| Universal Loan Identifier (ULI) | 9 | 10 | 90.00% | 58 |
| Last Property Transfer Date | 7 | 9 | 77.78% | 58 |
| Loan Property Count | 0 | 10 | 0.00% | 58 |
| Appraisal As-Is Value | 9 | 10 | 90.00% | 58 |
| Subject Debt Service Coverage Ratio | 1 | 1 | 100.00% | 58 |
| **Total** | **261** | **1422** | **18.35%** | **58** |

---