# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-25-234455
**Filing Date:** 2025-10
**Character Count:** 647445
**Document Hash:** 0a98da138a647337ff01370d92220bf7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-234455.hdr.sgml**: 20251008

**ACCESSION NUMBER**: 0001193125-25-234455

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

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20251008

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

**FILED AS OF DATE**: 20251008

**DATE AS OF CHANGE**: 20251008

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 251382231

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

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

☐ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period<u> </u> to<u> </u>** 

**Date of Report (Date of earliest event reported)** 

**Commission File Number of securitizer:<u> </u>** 

**Central Index Key Number of securitizer:** 

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

**contact in connection with this filing.** 

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

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

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

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

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2025-CNF1
**(Exact name of issuing entity as specified in its charter)** 

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

**Chris White** 

**(805) 530-5829** 

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

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

**PART II: FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS** 

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter** 

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d45107dex991.htm) |
| 99.2 | [Clayton Conditions Report](d45107dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d45107dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d45107dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d45107dex995.htm) |

---

------

**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.

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | October 8, 2025 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

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

------

![LOGO](g45107g1004041136767.jpg)

![LOGO](g45107snap3.jpg)

![LOGO](g45107snap4.jpg)

**October 1, 2025**<br>**Due Diligence Narrative Report**<br>

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![LOGO](g45107g19m77.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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | | *4* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | | *6* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | | *6* | |
|  **Data Compare Results** |  | **7** |  |
|  **Clayton Due Diligence Results** |  | **8** |  |
|  **Clayton Third Party Reports Delivered** |  | **9** |  |
|  **Appendix A: Credit Review Scope** |  | **10** |  |
|  **Appendix B: Origination Appraisal Assessment** |  | **13** |  |
|  **Appendix C: Regulatory Compliance Review Scope** |  | **16** |  |

---

PMT Loan Trust 2025-CNF1 Page \| 1 October 1, 2025

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![LOGO](g45107g19m77.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Chris Turk** Senior Client Service Manager

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Joe Ozment** Vice President – Client Services & Securitization

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

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 260 residential loans selected for the PMT Loan Trust 2025-CNF1 transaction. The loans referenced in this narrative report were reviewed on a bulk basis in September 2025. 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:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **LoanCount** | **Percentage** |
|  Retail | 95 | 36.54% |
|  Broker | 26 | 10.00% |
|  Correspondent Bulk | 105 | 40.38% |
|  Correspondent Flow with delegated underwriting | 27 | 10.38% |
|  Correspondent Flow without delegated underwriting | 7 | 2.69% |
|  **Total** | **260** | **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, were performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

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

PMT Loan Trust 2025-CNF1 Page \| 2 October 1, 2025

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![LOGO](g45107g19m77.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 260 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| **Full Review** | 260 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 260 |  |

---

**SPONSOR ACQUISITION CRITERIA** 

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

**LOAN GRADING** 

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 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 waivers. The compliance exception report lists all exceptions within a loan.

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

![LOGO](g45107g1004041136486.jpg)

PMT Loan Trust 2025-CNF1 Page \| 3 October 1, 2025

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![LOGO](g45107g19m77.jpg)

**TPR COMPONENT REVIEW SCOPE** 

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

CREDIT REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;

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 (260 loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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 (260 loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when
compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CU/LCA Score of 2.5 or below

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Desk Review/BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Field Review/2055 Drive-by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Second Full Appraisal

For further detail please refer to the PMTLT 2025-CNF1 Valuations Summary Report

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

PMT Loan Trust 2025-CNF1 Page \| 4 October 1, 2025

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![LOGO](g45107g19m77.jpg)

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;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Notice of Right to Cancel (Right of Rescission) adherence if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL Disclosure Timing (3/7/3) and disclosure content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL APR and Finance charge tolerances;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Timeliness of ARM Disclosures (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 32 APR and Points and Fees Thresholds and prohibited practices;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepayment Penalty restrictions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE initial disclosure timing and content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed the file contains the final HUD1 Settlement Statement;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Homeownership Counseling Notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Affiliated Business Disclosure if applicable.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On, June 15th, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> 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.

PMT Loan Trust 2025-CNF1 Page \| 5 October 1, 2025

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![LOGO](g45107g19m77.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored.

**DATA CAPTURE** 

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

PMT Loan Trust 2025-CNF1 Page \| 6 October 1, 2025

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![LOGO](g45107g19m77.jpg)

**DATA COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
|  Borrower 1 Date of Birth | 1 | 99.62% |
|  Borrower 1 Self Employed Flag | 3 | 98.85% |
|  Borrower 1 Total Income | 7 | 97.31% |
|  Borrower 2 Self Employed Flag | 2 | 99.23% |
|  Cash Reserves | 172 | 33.85% |
|  Credit Report Date | 35 | 86.54% |
|  Debt to Income Ratio (Back) | 22 | 91.54% |
|  Disbursement Date | 9 | 96.54% |
|  Loan Purpose | 32 | 87.69% |
|  Original Appraisal Date | 7 | 97.31% |
|  Original Appraised Value | 4 | 98.46% |
|  Origination Channel | 35 | 86.54% |
|  Origination Date | 3 | 98.85% |
|  Product Type | 1 | 99.62% |
|  Property City | 1 | 99.62% |
|  Property Type | 24 | 90.77% |
|  Representative Credit Score for Grading | 11 | 95.77% |
|  Sales Price | 4 | 98.46% |
|  Total Monthly Income | 2 | 99.23% |

---

PMT Loan Trust 2025-CNF1 Page \| 7 October 1, 2025

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![LOGO](g45107g19m77.jpg)

**CLAYTON DUE DILIGENCE RESULTS** 

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (260 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 91 |  | 11 | 80 | **182** |
| **Final** | **B** |  | 11 | 39 | 17 | **67** |
| **Final** | **C** |  |  | 2 | 1 | **3** |
| **Final** | **D** |  |  |  | 8 | **8** |
| **Final** | **Total** | **91** | **11** | **52** | **106** | **260** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 227 |  | 8 | 16 | **251** |
| **Final** | **B** |  | 1 | 1 |  | **2** |
| **Final** | **C** |  |  | 1 |  | **1** |
| **Final** | **D** |  |  |  | 6 | **6** |
| **Final** | **Total** | **227** | **1** | **10** | **22** | **260** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 125 |  | 2 | 80 | **207** |
| **Final** | **B** |  | 1 | 48 | 1 | **50** |
| **Final** | **C** |  |  | 1 | 1 | **2** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **125** | **1** | **51** | **83** | **260** |

---

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 202 |  | 18 | 15 | **235** |
| **Final** | **B** |  | 15 | 7 |  | **22** |
| **Final** | **C** |  |  | 1 |  | **1** |
| **Final** | **D** |  |  |  | 2 | **2** |
| **Final** | **Total** | **202** | **15** | **26** | **17** | **260** |

---

PMT Loan Trust 2025-CNF1 Page \| 8 October 1, 2025

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**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ASF Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non-ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. RA ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Standard Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Valuations Summary

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Narrative Report

PMT Loan Trust 2025-CNF1 Page \| 9 October 1, 2025

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**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assets and reserves

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Citizenship status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non- occupant co-borrower

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum loan amount

&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;• Occupancy

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial loan application was in the loan file and was signed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final loan application was in the loan file and was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Employment analyzed and verified through use of various documents, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verbal and/or written verifications of employments (VVOE, VOE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CPA letter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Business licenses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax transcripts (IRS Form 4506-T)

&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;&nbsp;&nbsp;• Income review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Required income documentation for all borrowers was present and within required time period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Documents did not appear to have been altered or inconsistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• IRS Form 4506-T

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Financial statements

&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;• W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1099

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&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;• Bank statements

&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;• Award letters

&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;&nbsp;&nbsp;• Asset review included:

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

&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;• Stock or security account statements

&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;• Settlements statements

&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;• Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Report review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Complete copy of report was in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Report was dated within required timeframe

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All borrowers were included in the report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Checked any fraud alerts against related loan file documentation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title policy review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title interest – determined if

&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;• Leasehold estate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appropriate vestee(s) were listed on title policy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Amount of coverage was greater than or equal to the original principal amount of the mortgage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Applicable title endorsements were present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• HUD1 (Settlement Statement) review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Funds to close identified and analyzed against borrower's assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Seller contributions did not exceed maximum allowed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject property, seller and borrower aligned with other loan documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disbursements and pay-offs included in debt ratio calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan purpose confirmed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verified presence of required hazard insurance and flood insurance (if required)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance was for the:

&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;• Correct property

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&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;• Correct loan number

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance minimum coverage amount and policy period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed for evidence that any required insurance policy premium was paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage Insurance review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined if mortgage insurance is required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured mortgage insurance name, certificate # and percentage guarantee (when required)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower identity

&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;• Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy

&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;• Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Employment

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

&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;• Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• OFAC

PMT Loan Trust 2025-CNF1 Page \| 12 October 1, 2025

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**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report used standard GSE forms, appropriate to the property type:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report was reasonably complete and included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report form, certification, statement of limiting conditions and scope of work

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject loan transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the property type, in both land and improvements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All required attachments including:

&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;• 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;• Photos of all comparable sales and listings

&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;• Exterior sketch of property with dimensions

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for
all material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal date met supplied Sponsor Acquisition Criteria

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor
Acquisition Criteria

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title XI of FIRREA:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the
appraiser's license included in the appraisal.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• USPAP

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraised value was reasonably supported. Utilized the following review in making value supported determination:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were located reasonably close to the subject property and if not the reason was satisfactorily
explained

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably recent in transaction date and if not the reason was furnished

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably similar to the subject property and if not an explanation was supplied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all
material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property usage was reviewed for zoning compliance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property utilization was reviewed to determine it was "highest and best use"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Neighborhood values were reviewed to determine if declining

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Market conditions were reviewed to determine indication of possible marketability issues:

&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;• % built up

&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;• Demand/supply

&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;• Predominant occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Physical condition of the property was reviewed to determine that the property condition was average or better

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Style of property was reviewed to determine if unique property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any health and safety issues were noted and/or remediated

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Locational and/or environmental concerns adequately addressed if present

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Unique properties

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mixed-use properties

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

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

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

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

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

G. Desk Review definitions

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

PMT Loan Trust 2025-CNF1 Page \| 15 October 1, 2025

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

On, June 15th, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> 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.

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

---

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

---

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

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

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

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

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

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

---

PMT Loan Trust 2025-CNF1 Page \| 18 October 1, 2025

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

Several states have laws that neither create a separate class of high cost or higher-priced mortgage 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;&nbsp;**Consumer Protection** | &nbsp;&nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;&nbsp;Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| &nbsp;&nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;&nbsp;Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| &nbsp;&nbsp;&nbsp;Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;&nbsp;Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;&nbsp;Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&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.)

PMT Loan Trust 2025-CNF1 Page \| 19 October 1, 2025

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**<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.

<sup>©</sup> 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.

PMT Loan Trust 2025-CNF1 Page \| 20 October 1, 2025

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC - PMTLT 2025-CNF1_J16134** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *260* |
| ***Loans with Conditions:*** | *172* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**33 - Total Active Conditions** | |
| **13 - Material Conditions** | **13 - Material Conditions** |
| 7 - Credit Review Scope | 7 - Credit Review Scope |
|  | 1 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 1 - Category: Income/Employment |
|  | 1 - Category: Insurance |
|  | 2 - Category: Legal Documents |
| 3 - Property Valuations Review Scope | 3 - Property Valuations Review Scope |
|  | 2 - Category: Appraisal |
|  | 1 - Category: Value |
| 3 - Compliance Review Scope | 3 - Compliance Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Federal Consumer Protection |
| **20 - Non-Material Conditions** | **20 - Non-Material Conditions** |
| 2 - Credit Review Scope | 2 - Credit Review Scope |
|  | 1 - Category: DTI |
|  | 1 - Category: Terms/Guidelines |
| 18 - Compliance Review Scope | 18 - Compliance Review Scope |
|  | 15 - Category: RESPA |
|  | 2 - Category: State Consumer Protection |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**232 - Total Satisfied Conditions** | &nbsp;&nbsp;&nbsp;**232 - Total Satisfied Conditions** |
| 27 - Credit Review Scope | 27 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 6 - Category: Assets |
|  | 3 - Category: DTI |
|  | 7 - Category: Income/Employment |
|  | 1 - Category: Insurance |
|  | 2 - Category: Legal Documents |
|  | 4 - Category: Terms/Guidelines |
|  | 3 - Category: Title |
| 137 - Property Valuations Review Scope | 137 - Property Valuations Review Scope |
|  | 131 - Category: Appraisal |
|  | 3 - Category: FEMA |
|  | 3 - Category: Value |
| 68 - Compliance Review Scope | 68 - Compliance Review Scope |
|  | 11 - Category: Ability to Repay/Qualified Mortgage |
|  | 3 - Category: Compliance Manual |
|  | 2 - Category: Documentation |
|  | 1 - Category: Right of Rescission |
|  | 1 - Category: Section 32 |
|  | 1 - Category: Texas Home Equity |
|  | 49 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**4 - Total Waived Conditions** |  |
| 4 - Property Valuations Review Scope | 4 - Property Valuations Review Scope |
|  | 4 - Category: FEMA |

---

<sup>©</sup>2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC - PMTLT 2025-CNF1_J16134** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *260* |
| ***Loans with Conditions:*** | *172* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 exceeds guideline requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54% is below guideline requirement of 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required. Verified post closing assets of $694,077.35 or 96 months PITI. |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 58.46% below program maximum 95.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 786 above minimum required 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 9 years 2 months in same line of work. B2 has 12 years 1 month in same line of work. |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 24 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 46 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 824. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.39%. Max 45% |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 742. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $482,663.74 or 129.28 months PITI reserves. No reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 95% |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Title | Satisfied D A | CRDTIL796 | Missing<br>Title | No | Missing<br>Title<br>from<br>file. | 9/25/2025:<br>Received<br>Prelim<br>Title. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have significant time at current residence with 8.2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 exceeds guidelines with a minimum score of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job with 11 years. |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 808 median FICO. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 80% LTV. Max allowed 95%. |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Income/<br>Employment | Active D | CRDINC2542 | Missing work<br>authorization/<br>VISA required<br>for non-<br>permanent<br>resident aliens<br>or foreign<br>nationals | Yes | Missing<br>work<br>authorization/VISA<br>or<br>explanation<br>why the<br>Borrowers<br>Social<br>Security<br>card says<br>Authorized<br>for Work<br>only<br>however the<br>application<br>shows US<br>Citizen. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $16,861.95 or 3.50 month PITI and HOA reserves. No reserves required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 746. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>Approved,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $16,861.95 or 3.50 month PITI and HOA reserves. No reserves required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 746. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID — CD:<br>In the CD<br>Escrow<br>section, You<br>will have an<br>escrow<br>account is<br>indicated, but<br>any of the<br>Escrowed<br>Property Costs<br>or Escrow<br>Payment = $0<br>or Null | No | Flood<br>insurance is<br>escrowed.<br>Please<br>provide<br>PCCD with<br>Monthly<br>escrow<br>payment<br>amount<br>populated<br>under Loan<br>Disclosures. | 9/24/2025:<br>Received<br>XXXXXX<br>PCCD<br>showing<br>Flood is<br>escrowed. | 9/24/2025:<br>Exception<br>satisfied. | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.0% below max of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 over 82 months review exceeds<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 751 above minimum requirement of 620 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Active C | PRVAAPPR119 | Appraisal<br>documentation<br>does not<br>support<br>occupancy | Yes | Primary<br>Resident and<br>Subject is<br>vacant. Cash<br>out refinance<br>of a loan for<br>REO<br>purchased<br>5/30/2025.<br>Verification<br>of<br>occupancy<br>required. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.0% below max of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 over 82 months review exceeds<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 751 above minimum requirement of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.0% below max of 45%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 over 82 months review exceeds<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 751 above minimum requirement of 620 |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA —<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | 1.Missing<br>statement<br>page of<br>2024 tax<br>returns to<br>verify line<br>19<br>exceptions<br>for rental<br>property2.<br>Missing<br>mortgage<br>statement<br>for XXX to<br>verify if<br>mortgage<br>payment<br>was<br>escrowed to<br>calculate<br>rental<br>income. | 9/25/2025:<br>Received<br>both docs.<br>XXXXXX<br>includes<br>escrows. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 mid score > min required of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x84 months (via consecutive payment histories)<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.33% DTI < maximum permitted via DU approval of 50% |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 9/17/2025<br>BPO<br>received.<br>Value<br>supported<br>within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 mid score > min required of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x84 months (via consecutive payment histories)<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.33% DTI < maximum permitted via DU approval of 50% |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 729 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 60% is 35 points below the program guideline maximum 95%. |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Title | Satisfied D A | CRDTIL796 | Missing<br>Title | No | Provide<br>copy of<br>missing<br>title. | 9/25/2025:<br>Prelim<br>Title<br>received.<br>with Title<br>Supp<br>showing<br>correct<br>info. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 802 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 802 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%. |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 45 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x41.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $126,145.03. Required reserves $0. |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero Tolerance<br>fail of $828.00.<br>Lender credits<br>on LE XXX<br>was $828.00.<br>Lender credits<br>were $0.00 on<br>final CD XXX.<br>No<br>documentation<br>provide<br>disclosing<br>removal of<br>lender credits.<br>Please provide<br>documentation<br>or Letter of<br>explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund, proof of<br>delivery within<br>60 days of<br>consummation<br>to cure. | 09.25.2025 -<br>COC provided. | 09.25.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 799. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.64%. Max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets $67,977.66 or 51.53 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing AUS<br>or AUS errors<br>present | No | The file has<br>two LP<br>Findings in the<br>file: LP Key

#XXXXXXXX<br>last run<br>7/25/2025 and<br>LP Key

#XXXXXXXX<br>last run<br>6/19/2025. The<br>1008 in the file<br>has no AUS<br>selected but the<br>DTI matches<br>the LP run<br>6/19/2025.<br>Additionally<br>there is a<br>Lender Cert in<br>the file dated<br>6/19/2025<br>stating LP

#XXXXXXXX<br>run 6/19/2025<br>is the LP used.<br>Verify which<br>LP was used.<br>Additional<br>conditions may<br>apply. | 9/25/2025:<br>Received LP

#10

#XXXXXXXX<br>and updated<br>1008 with the<br>same info. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 799. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.64%. Max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets $67,977.66 or 51.53 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 9/17/2025 BPO<br>received. Value<br>supported<br>within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 799. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.64%. Max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets $67,977.66 or 51.53 months PITI reserves. No reserves required |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Federal<br>Consumer<br>Protection | Active C | CMPFDCP3206 | NMLS License<br>verification<br>found Loan<br>Originator<br>Name does not<br>match ID | Yes | Loan<br>Originator<br>Organization<br>NMLS ID of<br>XXXXXX<br>printed on<br>1003, Note,<br>and Deed is<br>connected to<br>"XXXXXX"<br>and does not<br>match<br>"XXXXXX"<br>and this name<br>does not<br>appear as an<br>"Other Trade<br>Name" for<br>XXXXXX<br>The NMLS ID<br>for XXXXXX<br>is XXXXX<br>according to<br>the NMLS<br>consumer<br>access<br>website. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 52 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been operating XXXXXX business for 37 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history is positive over the review period. |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>income<br>documentation<br>for co-<br>borrower, as<br>per LP: YTD<br>paystub and<br>most recent<br>year W2 or a<br>written VOE<br>documenting<br>all YTD<br>earnings and<br>earnings for<br>the most<br>recent year. | 9/25/2025:<br>Income docs<br>received are<br>for B1. Need<br>Income docs<br>for<br>B2.9/26/2025:<br>Received B2<br>income docs.<br>Verified<br>higher than<br>lender. Used<br>lender's lower<br>amount. | 9/25/2025:<br>Exception<br>remains.9/26/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 23.17% is below Guidelines maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payments reviewed 44 months, o x 30; 0 x 60; 0 x 90.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Primary borrower has 10 years in profession. |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2302 | Missing<br>Required<br>Income<br>Documentation | No | Missing<br>income<br>documentation<br>for co-<br>borrower, as<br>per LP: YTD<br>paystub and<br>most recent<br>year W2 or a<br>written VOE<br>documenting<br>all YTD<br>earnings and<br>earnings for<br>the most<br>recent year. | 9/25/2025:<br>Income docs<br>received are<br>for B1. Need<br>Income docs<br>for<br>B2.9/26/2025:<br>Received B2<br>income docs.<br>Verified<br>higher than<br>lender. Used<br>lender's lower<br>amount. | 9/25/2025:<br>Exception<br>remains.9/26/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 23.17% is below Guidelines maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payments reviewed 44 months, o x 30; 0 x 60; 0 x 90.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Primary borrower has 10 years in profession. |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 9/29/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/29/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 806 Guidelines allow 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $41,744.80 or 12.41 months of PITIANo Reserves Required per AUS |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | XXXXXX | WY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>XXXXXX to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14.58yrs tenure with current employer<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.58% below maximum allowed guidelines of 80% (no MI)<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 148 consecutive months mortgage payment history and 6 months rental payment history exceeds 24 month guidelines.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 15.58%/Lender DU DTI 17.62% below 45% guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $75,793.50 Verified cash reserves exceed guideline requirement of $0 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID —<br>Corrected<br>CD should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Please provide<br>evidence that<br>the borrower<br>acknowledged<br>receipt of the<br>final LE<br>XXXXXX,<br>and initial CD<br>dated<br>XXXXXX, 3<br>business days<br>prior to<br>consummation<br>date of<br>XXXXXX. | 09.25.2025<br>— E<br>disclosure<br>summary<br>received. | 09.25.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $41,222.08 exceed guideline requirement of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 55 consecutive months mortgage payment history exceeds 24 month guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 769 Median Score, 7/2014 oldest trade, 1% credit usage |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID — CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Please provide<br>evidence that<br>the borrower<br>acknowledged<br>receipt of the<br>final LE<br>XXXXXX,<br>and initial CD<br>dated<br>XXXXXX, 3<br>business days<br>prior to<br>consummation<br>date of<br>XXXXXX. | 09.25.2025<br>— E<br>disclosure<br>summary<br>received. | 09.25.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $41,222.08 exceed guideline requirement of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 55 consecutive months mortgage payment history exceeds 24 month guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 769 Median Score, 7/2014 oldest trade, 1% credit usage |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved with<br>Property<br>Inspection<br>Waiver.<br>XXXXXX to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $41,222.08 exceed guideline requirement of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 55 consecutive months mortgage payment history exceeds 24 month guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 769 Median Score, 7/2014 oldest trade, 1% credit usage |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is:<br>N/A. Clayton<br>to order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 803. > is above guideline minimum credit score 620. |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 801. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $295,121.50 or 35.27 months PITI reserves. No reserves required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 40 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 72.41%. Max 95% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID4056 | TRID — CD:<br>The Total<br>Payment<br>Amount on<br>the Loan<br>Calculation<br>section of the<br>Final Closing<br>Disclosure is<br>less than the<br>Clayton<br>Calculated<br>Total<br>Payment<br>Amount | No | Corrected<br>on PCCD.<br>Exception<br>Satisfied | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 758 exceeds guideline requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 38% is below guideline requirement of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required; verified cash reserves of $329,238.76 or 56.21 months PITI. |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID —<br>Corrected<br>CD should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Missing<br>Initial CD<br>and<br>evidence<br>of receipt | 09.25.2025<br>— Initial<br>CD<br>received. | 09.25.2025<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.61% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 802 is 182 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.37% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID — CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Missing<br>Initial CD<br>and<br>evidence<br>of receipt | 09.25.2025<br>— Initial<br>CD<br>received. | 09.25.2025<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.61% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 802 is 182 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.37% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided<br>with<br>current<br>appraisal/<br>No LCA/<br>CU score.<br>Clayton to<br>order desk<br>review | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 21.31% below 80% LTV guideline requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 84 consecutive months mortgage payment history exceeds 24 month guideline<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 787 Median Score, Oldest Trade 6/99, 84 months mortgage history, 16% credit usage<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.18% DTI below 45% guideline |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Active B | CRDDTI105 | Debt Ratio<br>Exception<br>5% or Less | No | Debt<br>Ratio<br>Exception<br>is<br>showing<br>44.35%<br>which is<br>over LPA<br>DTI 40%.<br>The<br>difference<br>is based<br>on Client<br>used<br>lower<br>annual tax<br>amount of<br>$XXX vs<br>higher<br>amount of<br>annual<br>amount of<br>$XXX per<br>appraisal<br>or $XXX<br>from tax<br>certificate. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 783 > is above guideline minimum credit score 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 783 > is above guideline minimum credit score 620. |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>complete<br>copy of XX<br>XXX<br>submission<br>XX with all<br>pages in<br>order.<br>Multiple DU<br>submission<br>in files and<br>pages are<br>mixed up.<br>Pages<br>provided for<br>XX XXX<br>XX stop at<br>item 14.<br>Unable to<br>determine<br>how the<br>other pages<br>connect the<br>latest<br>submission.<br>Also,<br>reviewer<br>unable to<br>determine if<br>all<br>requirements<br>of AUS<br>have been<br>met. | 9/24/2025:<br>Received<br>all pages<br>of XX

#XX. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 8 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 727 above minimum 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 40 years in same line of work.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 19 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient

# of months<br>cash<br>reserves for<br>PITI per<br>guideline<br>requirements | No | Missing<br>complete<br>copy of XX<br>XXX XX,<br>reviewer<br>unable to<br>determine if<br>borrower<br>meets<br>reserves<br>requirement. | 9/24/2025:<br>Received<br>XXX

#XX. No<br>reserves<br>required. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 8 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 727 above minimum 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 40 years in same line of work.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 19 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | No | Missing<br>complete<br>copy of XX<br>XXX<br>submission<br>XX with all<br>pages in<br>order.<br>Multiple DU<br>submission<br>in files and<br>pages are<br>mixed up.<br>Pages<br>provided for<br>XX XXX<br>XX stop at<br>item 14.<br>Unable to<br>determine<br>how the<br>other pages<br>connect the<br>latest<br>submission.<br>Also,<br>reviewer<br>unable to<br>determine if<br>all<br>requirements<br>of AUS<br>have been<br>met. | 9/24/2025:<br>Received<br>all pages<br>of DU

#XX. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 8 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 727 above minimum 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 40 years in same line of work.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 19 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 8 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 727 above minimum 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 40 years in same line of work.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 19 mos. 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | NE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers owned departing residence for 4 years and 5 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 37.7% LTV is below guideline maximum of 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 797 credit score exceeds required minimum of 620. |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value<br>within<br>tolerance<br>(-3.94%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 766 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%. |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-9.09%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 18.82%. Max 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 814. Minimum required 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Closing assets $86,321.48 or 80.21 months (removed $252,231.60 from retirement account for 3 years continuance of distribution). Reserves are not required <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 12.23%. Max 45% |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order<br>Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 812 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%. |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score is n/<br>a- not in<br>file.<br>XXXXXX<br>to order<br>Desk<br>Review | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 39.61% below mac DTI of 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 780 above minimum of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 76.46% below max allowed of 97% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 9/17/2025 Received<br>BPO. Value<br>supported within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has significant time at current job; 10 years and 1 month <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 77.85% LTV below guideline requirements of 97.00% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 758 is 138 points above program guideline minimum of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 36.14% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved with<br>Property<br>Inspection<br>Waiver,<br>Clayton to<br>order BPO | 9/19/2025: Received<br>BPO supporting value<br>within tolerance<br>(-2.60%). | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Additional documented income not used in qualifying. WVOE Commission: $4076.92 + $7463.11 + $3122.31/29=$55.60 per month <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. 775 Median Score, Oldest Trade 1/2007, 40 consecutive months mortgage history, 0% credit usage |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 9/19/2025: Received<br>BPO not supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 767 > is above guideline minimum credit score 620. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Significant time in profession, 13 years. |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 9/19/2025:<br>Exception<br>added after<br>review of<br>trailing docs:<br>BPO came in<br>11.25% below<br>value. Max<br>tolerance is<br>10%. Clayton<br>to order Desk<br>Review. | 9/26/2025: Received<br>2055 Exterior<br>appraisal supporting<br>value. | 9/26/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 767 > is above guideline minimum credit score 620. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Significant time in profession, 13 years. |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3590 | TRID—At<br>least one<br>LE was<br>delivered<br>on or after<br>the date<br>that a CD<br>was<br>delivered | No | LE:<br>XXXXXX<br>[Last LE],<br>Section:<br>General LE<br>Information,<br>Field: Date<br>Delivered,<br>Value:<br>XXXXXXCD:<br>XXXXXX,<br>Section:<br>General CD<br>Information,<br>Field: Date<br>Delivered,<br>Value:<br>XXXXXXLE:<br>XXXXXX,<br>Section:<br>General LE<br>Information,<br>Field: Date<br>Delivered,<br>Value:<br>XXXXXX | 09.25.2025—Client<br>disagrees with our<br>findings however in<br>package page 1115<br>has an LE issued<br>XXXXXX and then<br>on page 967 there is a<br>CD issued on same<br>date<br>XXXXXX.XXXXXX<br>-Attetastion LE<br>XXXXXX and CD<br>not sent to borrower.<br>was balancing<br>purposes from<br>settlement agent. | 09.25.2025 -<br>Exception<br>remains09.30.2025<br>-Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 767 exceeds guideline requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 41.89% is below guideline requirement of 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 69.13% is below guideline requirement. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>XXXXXX<br>to order<br>Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 767 exceeds guideline requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 41.89% is below guideline requirement of 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 69.13% is below guideline requirement. |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>and no<br>LCA (or<br>CU) score<br>is<br>provided.<br>Clayton to<br>order desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 27.76% is below Guidelines maximum of 50%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 75.71% is below Guidelines 80% maximum. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for over 15 years. |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: High Credit 776 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has 12 Years in Current Profession <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $158,193.13 or 35.12 months of PITIANo Reserves Required per AUS |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Terms/<br>Guidelines | Active C B | CRDTER5399 | Appraisal<br>Deficiency | No | Loan<br>approved<br>with PIW.<br>Prior<br>appraisal<br>and CDA<br>used in<br>lieu of<br>BPO. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job; 5 years and 6 months <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 35.56% LTV below guideline requirements of 97.00% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 757 is 137 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order<br>Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job; 5 years and 6 months <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 35.56% LTV below guideline requirements of 97.00% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 757 is 137 points above program guideline minimum of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA not in<br>file. Clayton<br>to order<br>deskreview. | 9/17/2025 Desk<br>review received.<br>Value supported<br>with tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrowers have no history of late payments <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Maximum LTV 80%, Current LTV 68.47% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 12 Month payment history required, credit reports 84 months |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received Desk<br>Review<br>supporting value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 38.66% is below the guideline minimum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 742 is 42 points above minimum program requirement of 700. |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 9/17/2025:<br>Received BPO<br>supporting value<br>within tolerance<br>-1.20%. | 9/17/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 66.23% LTV; max 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 qual score; min 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 41.03% DTI; max 50%. |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $5700 due<br>to Transfer<br>Taxes added<br>to CD<br>XXXXXX.<br>COC dated<br>XXXXXX is<br>not specific<br>and discloses<br>"fees".<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 09.25.2025 - COC<br>provided. | 09.25.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 767 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 70% is 25 points below the program guideline maximum 95%. |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID—CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Ten Percent<br>Tolerance Fee<br>of $8.70 due<br>to increase in<br>Recording<br>Fees on CD<br>XXXXXX.<br>COC dated<br>XXXXXX is<br>not specific<br>and discloses<br>"fees".<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 09.25.2025—COC<br>received. | 09.25.2025<br>-Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 767 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 70% is 25 points below the program guideline maximum 95%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; **Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>XXXXXX to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value with<br>tolerance<br>(-1.49%). | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 767 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 70% is 25 points below the program guideline maximum 95%. |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero Tolerance<br>Fee of<br>$4,962.48 due<br>to Discount<br>Points increase<br>on CD XXX.<br>Provide a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower with<br>proof of<br>delivery via<br>tracking<br>method within<br>60 days of<br>consummation. | 09.25.2025<br>-COC<br>provided. | 09.25.2025<br>-Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: Borrower has had no derogatory or delinquent mortgage history. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower has a 26% revolving credit line usage ratio. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has had no late or derogatory credit history in last 24 months. |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: Borrower has had no derogatory or delinquent mortgage history. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower has a 26% revolving credit line usage ratio. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has had no late or derogatory credit history in last 24 months. |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active B | CMPTRID5806 | TRID—At<br>least 1 CD<br>prior to the<br>last CD at or<br>prior to<br>closing was<br>not provided<br>to all with<br>rescission<br>rights. | No | Provide<br>documentation<br>borrowing<br>spouse<br>received an<br>accurate CD 3<br>business prior<br>to closing. If<br>unable to<br>provide, the<br>exception will<br>be a satisfied<br>non-material<br>2B using the<br>signed CD at<br>closing. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 716 is 96 points above minimum program requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 39.17% is below the guideline minimum of 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has 48 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Change of<br>Circumstance<br>provided to<br>borrower on<br>XXX stated<br>Rate lock and<br>Settlement<br>charges would<br>change—never<br>provided the<br>amount of the<br>COC. Zero<br>Tolerance Fee<br>of $233.79 (%<br>of Loan<br>Amount<br>[Point]) fee<br>increased from<br>LE $XXX to<br>CD $XXX.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower. | 09.24.2025<br>-COC<br>Provided | 09.24.2025<br>-Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 716 is 96 points above minimum program requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 39.17% is below the guideline minimum of 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has 48 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; **Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 716 is 96 points above minimum program requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 39.17% is below the guideline minimum of 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has 48 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value within<br>tolerance<br>(-9.77%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 772 is 152 points above minimum program requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 41.90% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing a<br>verbal<br>verification<br>of<br>employment<br>or letter from<br>XXXX<br>XXXX<br>XXXX<br>verifying all<br>contingencies<br>for<br>employment<br>have been<br>met. | 9/25/2025:<br>Received<br>VVOE<br>dated today.<br>Employment<br>is current,<br>started<br>8/1/2025. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 37.34%. Max 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 814. Minimum required 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 19.47%. Max 45% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $150,623.23 or 10.48 months PITI reserves. No reserves are required |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | Missing a<br>copy of the<br>Trust<br>Agreement | 9/24/2025:<br>Received<br>Affidavit of<br>Cert of<br>Trust. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with the employer for 6 years 5 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: The HCLTV is 61.46% and guidelines allow the HCLTV to be 80% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The DTI is 17.17% and guidelines allows DTI to be 45% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $91,811.07/$2,620.69 PITIA = 35.03 months reserves |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with the employer for 6 years 5 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: The HCLTV is 61.46% and guidelines allow the HCLTV to be 80% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The DTI is 17.17% and guidelines allows DTI to be 45% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $91,811.07/$2,620.69 PITIA = 35.03 months reserves |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; **Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>Income<br>documentation<br>in file to<br>validate<br>Housing<br>allowance. | 9/24/2025:<br>Received<br>proof of<br>receipt and<br>three year<br>continuance<br>of Housing<br>Allowance. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 779 exceeds guidelines with a minimum credit score of 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit history exceeds guidelines with no late payments reporting for the past 120 months or more. |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Income<br>amount is<br>unsupported<br>by<br>documentation<br>in file. Per<br>file, Borrower<br>receives<br>Housing<br>allowance.<br>Verification of<br>housing<br>allowance is<br>missing and<br>per AUS<br>cannot be<br>validated. | 9/24/2025:<br>Received<br>proof of<br>receipt and<br>three year<br>continuance<br>of Housing<br>Allowance. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 779 exceeds guidelines with a minimum credit score of 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit history exceeds guidelines with no late payments reporting for the past 120 months or more. |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 779 exceeds guidelines with a minimum credit score of 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit history exceeds guidelines with no late payments reporting for the past 120 months or more. |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Right of<br>Rescission | Satisfied D A | CMPROR5345 | ROR—Missing<br>or Incomplete<br>Right of<br>Rescission<br>form | No | Copy of ROR<br>not signed or<br>dated by<br>borrower.<br>Please provide<br>executed<br>ROR. | 9/24/2025:<br>Received<br>signed<br>ROR. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75.00% LTV below guideline requirements of 80.00% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 731 is 111 points above program guideline minimum of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.44% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>UCDP- SSR<br>in file.<br>XXXXXX to<br>order desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75.00% LTV below guideline requirements of 80.00% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 731 is 111 points above program guideline minimum of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.44% DTI is below guideline requirement of 50.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; **Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing LCA<br>score—Clayton<br>to order desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: 17+ years at subject property <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 10+ years with present employer |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Title | Satisfied C A | CRDTIL875 | Title Does<br>Not Agree<br>With<br>Mortgage | No | Title is<br>showing<br>proposed<br>vesting of<br>XXXXXX and<br>XXXXXX.<br>The Mortgage<br>in file is vested<br>as XXXXXX,<br>married. | 9/24/2025:<br>Received<br>Final Title<br>showing<br>XXXXXX. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 769 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%. |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>XXXXXX to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 769 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%. |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-8.88%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit Score 739 exceeds minimum of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 31.76 % below max DTI 45.00%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 74.55% below max of 97%. |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | Yes | 1. Missing<br>verification of<br>subject HOA<br>expense<br>$166.66 used<br>to qualify. No<br>documentation<br>located to<br>verify<br>expense.2.<br>Missing<br>borrower letter<br>of explanation<br>or other<br>satisfactory<br>documentation<br>to verify no<br>HOA for<br>XXXXXX as<br>qualified with. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 19 years at current residence. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 80.00% below program maximum 95.00%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative credit score 718 above minimum 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $102,299.36 or 45.35 mos. PITIA. No reserves required. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; **Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C B A | Credit | DTI | Active D | CRDDTI2540 | Missing<br>verification<br>of some or all<br>components<br>of<br>non-subject<br>PITI | Yes | 1. Missing<br>verification of<br>subject HOA<br>expense<br>$166.66 used<br>to qualify. No<br>documentation<br>located to<br>verify<br>expense.2.<br>Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to verify no<br>HOA for<br>XXXXXX as<br>qualified with. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 19 years at current residence. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 80.00% below program maximum 95.00%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative credit score 718 above minimum 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $102,299.36 or 45.35 mos. PITIA. No reserves required. |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 9/18/2025<br>BPO<br>received.<br>Value<br>supported<br>within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 19 years at current residence. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 80.00% below program maximum 95.00%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative credit score 718 above minimum 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $102,299.36 or 45.35 mos. PITIA. No reserves required. |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | NM | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 65.83% below program maximum 80.00%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 12 years 6 months at current job. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 21 mos. 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative score 746 above minimum required 620. |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA—List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | List of<br>homeowners<br>counseling<br>organizations<br>not provided<br>for review | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 704 exceeds guideline requirement of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 55.90% is below guideline requirement of 80%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 on mortgage payments reviewed over 84 months (1st lien) and 81 months (2nd lien). |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 704 exceeds guideline requirement of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 55.90% is below guideline requirement of 80%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 on mortgage payments reviewed over 84 months (1st lien) and 81 months (2nd lien). |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp; **Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: The borrower has been in the same profession over 40 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 50%. Max 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit Score 804. Minimum required 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 19.98%. Max 45% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $11,356.93 or 3.54 months PITI+HOA reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated<br>valuation:<br>Clayton to order<br>desk review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value<br>within<br>tolerance<br>(-4.35%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job with 15 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 782 exceeds guidelines with a minimum credit score of 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit history exceeds guidelines with no late reported payments of 60 months or more. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 27.76% is below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | No | DU AUS in file is<br>missing pages.<br>Most recent DU<br>AUS in file is<br>submission #8,<br>but pages are<br>missing. Also,<br>AUS shows loan<br>approved as Rate<br>Term. Borrower<br>paid off consumer<br>debt $2,670.00 (<br>in addition to<br>mortgage), and<br>received $802.76<br>cash back at<br>close. Therefore,<br>loan is cash out.<br>1008 and DU<br>AUS show loan is<br>rate term | 9/29/2025:<br>Received<br>DU #9<br>App/Eli<br>for Cash<br>out refi,<br>using B1<br>& B2<br>income<br>26.35%<br>DTI. | 9/29/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 FICO exceeds minimum 620 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 in 98 months |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>missing—Clayton<br>to order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 FICO exceeds minimum 620 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 in 98 months |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Legal<br>Documents | Active D | CRDLGL225 | Missing<br>Rider | Yes | Missing the<br>Mortgage PUD<br>Rider for the<br>subject property.<br>Per the sales<br>contract, the<br>property is<br>subject to a<br>mandatory<br>property<br>association. HOA<br>obligation noted/<br>included in 1008<br>and Clayton<br>analysis. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 6.66yrs tenure with current employer <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. 770 Median Credit Score, 42 consecutive months mortgage history, oldest trade 11/2013, 1% credit usage. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 42 consecutive months mortgage payment history exceeds 24 month guideline history |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6.66yrs tenure with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 770 Median Credit Score, 42 consecutive months mortgage history, oldest trade 11/2013, 1% credit usage.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42 consecutive months mortgage payment history exceeds 24 month guideline history |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 4 years in same line of work.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Current mortgage reflects 10 mos. 0x30 with prior mortgage reporting 23 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score 729 exceeds 620. |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/18/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.75; below guidelines of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 793 exceeding minimum of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 over 24 months |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>UCDP with<br>LCA score.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 16 years and 4 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 765 is > the minimum credit score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: All mortgages paid as agreed with 0x30. |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective<br>date is<br>greater<br>than the<br>transaction<br>date | No | Insurance<br>effective<br>date of<br>07/07/2025<br>is greater<br>than the<br>transaction<br>date of<br>XXX. Per<br>final CD,<br>disbursement<br>date is XXX. | 9/24/2025:<br>Received<br>HOI<br>showing<br>policy<br>period<br>XXX-<br>XXX. | 9/24/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 739 exceeds guidelines with a minimum credit score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.34% is below guideline requirement of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments for the past 60 months or more. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 739 exceeds guidelines with a minimum credit score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.34% is below guideline requirement of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments for the past 60 months or more. |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>XXXXXX to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 754 median FICO. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $23,418.51; per AUS $19,324.26 reserves are required per LP. |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $20 due to<br>Title —<br>Notice of<br>Settlement<br>Fee increased<br>from<br>CD:XXX to<br>CD:XXX.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 09.25.2025<br>— LOX,<br>PCCD,<br>principal<br>reduction<br>provided. | 09.25.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is 115 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 24 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is 115 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 24 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $51.90 Zero<br>Tolerance due<br>increase in<br>Transfer fees<br>from $277 to<br>$328.90<br>without a<br>valid CoC.<br>Requires<br>CoC, or<br>corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 09.24.2025<br>— COC<br>provided. | 09.24.2025<br>—<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at the same job for 16 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $25840.37 reserves; $13,686.72 reserves required by LP.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 qual score; min 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 69mo. 0x30 mortgage payment history; 0x30x12 required. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID — CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Need evidence<br>of change of<br>circumstances<br>letter for Ten<br>Percent<br>tolerance,<br>(Lender)<br>increase, or a<br>copy of a<br>refund check<br>in the amount<br>of $49.70. | 09.24.2025<br>-COC<br>provided. | 09.24.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at the same job for 16 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $25840.37 reserves; $13,686.72 reserves required by LP.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 qual score; min 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 69mo. 0x30 mortgage payment history; 0x30x12 required. |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at the same job for 16 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $25840.37 reserves; $13,686.72 reserves required by LP.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 730 qual score; min 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 69mo. 0x30 mortgage payment history; 0x30x12 required. |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 13.9 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant time at current residence with 11.9 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.83% is below guideline requirement of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 802 exceeds guidelines with a minimum credit score of 620. |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>XXXXXX 1st<br>mortgage bill<br>for XXXXXX<br>property to<br>verify if any<br>portion of<br>insurance &<br>taxes is<br>escrowed or<br>not and to<br>confirm the<br>monthly<br>insurance,<br>taxes,<br>association in<br>the amount of<br>$314.03/month<br>used to<br>qualify. Total<br>property tax,<br>HOA and HOI<br>available in<br>file were<br>higher at<br>$819.24/month<br>($55 HOA,<br>$161.27 HOI<br>and $602.97<br>property tax)<br>which if used<br>would make<br>DTI 46.43 %<br>and exceed the<br>tolerance limit. | 9/29/2025:<br>Received<br>updated<br>1008, 1003<br>and AUS<br>showing<br>46.25%<br>DTI. App/<br>Eli. | 9/29/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.32% is below Guidelines maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.64% is below Guidelines maximum of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $5,288.94 exceed DU required reserves of $0. |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>XXXXXX 1st<br>mortgage bill<br>for XXXXXX<br>property to<br>verify if any<br>portion of<br>insurance &<br>taxes is<br>escrowed or<br>not and to<br>confirm the<br>monthly<br>insurance,<br>taxes,<br>association in<br>the amount of<br>$314.03/month<br>used to<br>qualify. Total<br>property tax,<br>HOA and HOI<br>available in<br>file were<br>higher at<br>$819.24/month<br>($55 HOA,<br>$161.27 HOI<br>and $602.97<br>property tax)<br>which if used<br>would make<br>DTI 46.43 %<br>and exceed the<br>tolerance limit. | 9/29/2025:<br>Received<br>updated<br>1008, 1003<br>and AUS<br>showing<br>46.25%<br>DTI. App/<br>Eli. | 9/29/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.32% is below Guidelines maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.64% is below Guidelines maximum of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $5,288.94 exceed DU required reserves of $0. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Provide<br>missing<br>VVOE<br>within 10<br>business<br>days<br>from the<br>Note date<br>for co-<br>borrower. | 9/24/2025:<br>Received<br>XXX<br>VVOE —<br>meets ten<br>business<br>days<br>requirement. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.32% is below Guidelines maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.64% is below Guidelines maximum of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $5,288.94 exceed DU required reserves of $0. |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 9/17/2025<br>BPO<br>received.<br>Value<br>supported<br>within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 44.32% is below Guidelines maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.64% is below Guidelines maximum of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $5,288.94 exceed DU required reserves of $0. |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 9/17/2025<br>BPO<br>received.<br>Value<br>supported<br>within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 FICO score exceeds minimum FICO requirements by 167 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 25%<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates listed on credit report<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Client has been at current position over 8 years |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 20 years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 46.50% below program maximum 95.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 20 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 771 above program minimum 620. |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 9/19/2025:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 16 mos. 0x30 and 49 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 810 above minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets of $357,027.28 or 153.87 months PITI. No reserves required.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 57.04% below program maximum 95.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | DU<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, Current LTV 63.61%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 Month payment history required, credit reports 25 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>(missing).<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 x93 months (via consecutive payment histories)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW.<br>Clayton to<br>order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with only 2x30 aged revolving lates. 707 Median Credit, oldest trade 6/1996, 177 consecutive months mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $184,194.64 cash reserves exceeds $0 required per guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 177 consecutive months mortgage payment history exceeds 24 month guideline |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>proof the<br>mortgage<br>payment<br>with<br>XXXXXX<br>on<br>XXXXXX<br>includes<br>taxes and<br>insurance. | 9/24/2025:<br>Received<br>XXXXXX<br>mtg<br>statement<br>showing<br>escrowed. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 801. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.71. Max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $,8906.49 or 1.98 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is a<br>PIW,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-2.50%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 801. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.71. Max 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $,8906.49 or 1.98 months PITI reserves. No reserves required |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID — CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | LE<br>XXXXXX<br>missing<br>evidence<br>of receipt.<br>Unable to<br>verify<br>dates | 09.25.2025<br>— E<br>disclosure<br>received. | 09.25.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 is 113 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.94% is below the guideline minimum of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 72 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>XXXXXX<br>to order<br>desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 is 113 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.94% is below the guideline minimum of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 72 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order<br>Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession over 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 711. Minimum score required 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence over 4 years |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>in the file.<br>Clayton to<br>order<br>Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 775. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $12,555.90 or 3.22 months PITI reserves. No reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.64%. Max 45% |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>UCDP in<br>the file.<br>XXXXXX<br>to order<br>Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.88% is below the maximum allowable of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 is above the required 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-6.65%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 71.03% below 80% guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 4.25yrs tenure with current employer<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 3.25yrs tenure with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 800 Median Credit Score, 2% credit usage, oldest trade 10/2008<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 81 consecutive months mortgage payment history exceeds 24 month guideline<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.19% below guideline maximum of 45% |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 12 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.47% LTV below guideline requirements of 97.00% per program.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 785 is 165 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.98% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $777.21<br>due to<br>Discount<br>Point<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 09.24.2025<br>-COC<br>Provided | 09.24.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.97 is below guideline requirement of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 810 exceeds guideline requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.03% is below guideline requirement of 90%. |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>XXXXXX to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.97 is below guideline requirement of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 810 exceeds guideline requirement of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.03% is below guideline requirement of 90%. |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 714 > is above guideline minimum credit score 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $63,184.23 or 12.52 months PITIA; per AUS guidelines funds required to close $0.00 and reserves of $0.00. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA — Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | 1. Missing<br>proof<br>XXXXXX for<br>XXXXXX<br>payment of<br>$3,223.66 is<br>full PITI<br>expense as<br>qualified<br>with.2.<br>Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support<br>XXXXXX has<br>no HOA<br>expense as<br>qualified with. | 9/25/2025:<br>Received<br>verification<br>$1,617.41<br>PITI and<br>no HOA. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620 and qualifying score was 761<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Great mortgage history 0x30x84 mos reviewed<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45% . DTI is 28.63% |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | 1. Missing<br>proof<br>XXXXXX for<br>XXXXXX<br>payment of<br>$3,223.66 is<br>full PITI<br>expense as<br>qualified<br>with.2.<br>Missing<br>borrower<br>letter of<br>explanation or<br>other<br>satisfactory<br>documentation<br>to support<br>XXXXXX has<br>no HOA<br>expense as<br>qualified with. | 9/25/2025:<br>Received<br>verification<br>$1,617.41<br>PITI and<br>no HOA. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620 and qualifying score was 761<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Great mortgage history 0x30x84 mos reviewed<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45% . DTI is 28.63% |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620 and qualifying score was 761<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Great mortgage history 0x30x84 mos reviewed<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45% . DTI is 28.63% |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Income<br>amount is<br>unsupported<br>by<br>documentation<br>in file. Per<br>AUS,<br>paystubs dated<br>30 days prior<br>to initial<br>application<br>must be<br>provided and<br>missing for<br>Borrowers 1<br>and 2. | 9/24/2025:<br>Received<br>paystubs<br>for both<br>borrowers<br>and calcs<br>line up<br>with salary<br>indicated. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 725 exceeds guidelines with a minimum required score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.17% is below guideline requirement of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job with 25 years. |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Insurance | Active D | CRDINSR865 | Missing proof<br>of flood<br>insurance in<br>File | Yes | Missing proof<br>of flood<br>insurance in<br>file. Per<br>updated Flood<br>Cert, original<br>certificate<br>completed on<br>7.3.25.<br>Current<br>Certificate is<br>the result of a<br>subsequent<br>FEMA map<br>revision and<br>flood zone<br>changed from<br>XXXXXX to<br>XXXXXX.<br>Flood<br>insurance is<br>now required. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 725 exceeds guidelines with a minimum required score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.17% is below guideline requirement of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 20 years.<br> CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job with 25 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-1.31%). | 9/19/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 725 exceeds guidelines with a minimum required score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.17% is below guideline requirement of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job with 25 years. |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>Condition is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Condition<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 735 median FICO. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 80% LTV. Max allowed 95%. |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 735 median FICO. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 80% LTV. Max allowed 95%. |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score not<br>provided.<br>Clayton to<br>order<br>deskreview. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16.58yrs tenure with current employer<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.64% LTV below 80% maximum guideline<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 130 consecutive months mortgage payment history exceeds 24 month guideline |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO not<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 exceeds guideline requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.95% is below guideline requirement of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.71% is below guideline requirement of 97%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 9/19/2025:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs: BPO<br>came in<br>11.91%<br>below<br>value.<br>Clayton to<br>order<br>2055<br>Exterior<br>Appraisal. | 9/26/2025:<br>Received<br>2055<br>Exterior<br>Only<br>report<br>supporting<br>value. | 9/26/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 exceeds guideline requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.95% is below guideline requirement of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.71% is below guideline requirement of 97%. |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order<br>Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession over 13 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 774. Minimum credit score 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.14%. Max 45%. |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 9/19/2025:<br>Received<br>BPO not<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.34% is below Guidelines 50% maximum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.49 % is below Guidelines maximum of 95%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit with 773 score, no derogatory items and 0 x30, 0x 60, 0 x 90. |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 9/19/2025:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs: BPO<br>came in<br>10.14%<br>below<br>value.<br>Clayton to<br>order<br>2055<br>Exterior<br>Appraisal. | 9/29/2025:<br>Received<br>2055<br>Report<br>supporting<br>value. | 9/29/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.34% is below Guidelines 50% maximum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.49 % is below Guidelines maximum of 95%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit with 773 score, no derogatory items and 0 x30, 0x 60, 0 x 90. |
| &nbsp;&nbsp;&nbsp;608 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 9/19/2025:<br>Received<br>BPO not<br>supporting<br>value,<br>variance -<br>12.41%. | 9/19/2025:<br>Exception<br>satisfied, | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > is above guideline minimum credit score 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 5 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;608 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 9/19/2025:<br>Exception<br>fired after<br>review of<br>trailing docs:<br>BPO value<br>is -12.41%<br>value.<br>Clayton to<br>order Desk<br>Review. | 9/25/2025:<br>2055 report<br>received<br>with<br>$XXXXXX<br>value or<br>11.86%<br>below<br>value.<br>XXXXXX<br>to provide<br>full<br>appraisal. | 9/25/2025:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 722 > is above guideline minimum credit score 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 5 years. |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score is<br>>2.5.<br>XXXXXX<br>to order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value within<br>tolerance (-<br>7.64%). | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 758 is 138 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 20.83% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | No | Provide CD<br>to show sale<br>of<br>XXXXXX<br>paying off<br>XXXXXX<br>net proceeds<br>of<br>$396,664.03. | 9/24/2025:<br>Received<br>Final ALTA<br>XXXXXX,<br>showing<br>$404,164.03<br>in net<br>proceeds. | 9/24/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 13.49 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 48.05 is less that the max of 95. |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA Score<br>is Greater<br>than 2.5.<br>Clayton to<br>Order Desk<br>Review | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 13.49 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 48.05 is less that the max of 95. |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 qualifying score exceeds guideline minimum of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 10+ years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has stable employment in profession for the past 27 years |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score is<br>>2.5.<br>XXXXXX to<br>order desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 746 is 126 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 48 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 764is 144 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 24 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 703. Minimum required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.44%. Max allowed 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have been at their current residence 20 years |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA —<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Missing List<br>of<br>homeowners<br>counseling<br>organizations<br>dated within<br>3 days of the<br>application<br>date of<br>XXXXXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of797 is above the required 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of72.561 is below the maximum allowable of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $574,314.93 or 180.25 months of PITIA. 0 months required. |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure<br>dated within<br>3 days of the<br>application<br>date of<br>XXXXXX | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of797 is above the required 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of72.561 is below the maximum allowable of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $574,314.93 or 180.25 months of PITIA. 0 months required. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 48 Months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 734 FICO Score Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $18,537 or 8.07 months of PITIA. No Reserves Required |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Provide<br>missing Loan<br>Estimates<br>dated XXX &<br>XXX, based<br>off of<br>disclosure<br>tracking<br>details. | 09.30.2025<br>— Missing<br>LEs<br>provided | 09.30.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 Fico<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $221,232.19 in reserves |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Missing the<br>Post Closing<br>Disclosure<br>XXX showing<br>lender credit of<br>$72 for zero<br>tolerance fees<br>or proof of<br>refund. Lender<br>Title Insurance<br>$47.00 and<br>Escrow<br>Service Fee<br>$25.00.<br>Provide<br>Internal COC<br>reflecting valid<br>reason for the<br>fee changes<br>within 3<br>business days<br>of change or<br>PCCD with<br>cure, copy of<br>cure check,<br>LOE to<br>Borrower and<br>Evidence of<br>delivery via<br>shipping<br>method<br>including<br>tracking,<br>within 60 days<br>of discovery/<br>consummation. | 09.26.2025<br>— COC<br>provided. | 09.26.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 Fico<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $221,232.19 in reserves |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | UCDP-SSR in<br>file has a LCA<br>score of 3.5.<br>XXXXXX to<br>order desk<br>review | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 738 is 118 points above program guideline minimum of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $424,090.80 reserves; $0 reserves required by DU.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 qual score; min 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3552 | TRID —<br>Loan<br>Estimate<br>not timely | No | Earliest LE<br>in file is<br>dated<br>XXXXXX.<br>Missing<br>Initial LE<br>dated<br>XXXXXX,<br>to<br>accompany<br>the<br>application<br>date of<br>XXXXXX. | 09.26.2025<br>— Initial<br>LE<br>provided. | 09.26.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.62% LTV below maximum allowed guidelines of 80%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower 2 has 19.92yrs tenure with current self-employed business and Co-Borrower 3 has 25.42yrs tenure with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. oldest trade 8/96, 746 Median Score, current mortgage history from 2/2013. |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 21%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 FICO score exceeds minimum FICO score by 188 points<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates listed on credit report |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 797 exceeds min score requirement of 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 24 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 18 years. |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, the borrower has been employed with current employer for 20 years and 5 months with a start date of 2/22/2005.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $281,135.24; assets required $103,316.03; verified reserves of $177,819.21 or 53.28 months; required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 740 is > the minimum credit score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.77% is < the maximum of 45%. |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 777 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x96.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 20 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | COC forms<br>XXXXXX,<br>XXXXXX,<br>XXXXXX &<br>XXXXXX<br>were provided<br>indicating<br>revised LE's<br>were issued<br>w/ numerical<br>changes.<br>Missing<br>revised LE"s. | 09.26.2025<br>— Missing<br>LEs<br>received. | 09.26.2025<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 fico score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: b2 15 years in the same line of work |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the CD | No | Seller fees<br>reflected on<br>Seller CD but<br>not included<br>on Borrower<br>Final CD. | (No Data) | Conclusion-<br>Exception<br>Satisfied.<br>Seller fees<br>have been<br>sourced on<br>the Seller<br>CD. | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 fico score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: b2 15 years in the same line of work |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $10,858.97 (3.97 months PITIA reserves) > min required of $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 684 lowest mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.84% DTI < max permitted of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with current employer for 17 years. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliated<br>Business<br>Disclosure | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 747 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID —<br>Corrected<br>CD<br>should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature<br>not<br>disclosed<br>at least 3<br>business<br>days prior<br>to closing | No | The initial CD<br>was issued<br>XXXXXX<br>and per the<br>DocuSign<br>receipt, it was<br>e-signed<br>XXXXXX.<br>Please provide<br>evidence that<br>the borrower<br>acknowledged<br>receipt of the<br>initial CD<br>dated<br>XXXXXX, 3<br>business days<br>prior to<br>consummation<br>date of<br>XXXXXX. | 09.29.2025<br>-<br>Disclosure<br>tracking<br>provided. | 09.29.2025<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 747 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID — CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Initial CD<br>dated<br>XXXXXX e<br>signed on<br>XXXXXX.<br>Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>3 days prior to<br>consummation<br>date of<br>XXXXXX. | 09.29.2025<br>-<br>Disclosure<br>tracking<br>provided. | 09.29.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 747 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 747 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 797 > is above guideline minimum credit score 620. |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 807 median FICO. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 80% LTV. Max allowed 97%. |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 778 median FICO. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 62.96% LTV. Max allowed 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $42,889.10 in post closing reserves. DU requires $0. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.60% is below Guidelines 50% maximum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines 95% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $16,286.29 exceed DU required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID —<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry | No | Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry. | 09.26.2025<br>-Seller CD<br>provided. | 09.26.2025<br>-Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in profession<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13 years on current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 fico score Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Provide<br>Affiliated<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 761<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 15 Years in Current Profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 9/17/2025<br>BPO<br>received.<br>Value<br>supported<br>within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 761<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 15 Years in Current Profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 FICO score exceeds minimum FICO score of 620 by 186 points<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no lates listed<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 3 mortgages listed on credit show good credit history<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: XXXXXX has additional income not used for qualifying (payroll deposits on bank statements and employer name listed on loan app) |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA —<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Please<br>provide list of<br>homeowners<br>counseling<br>organizations. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' credit line usage ratio is 3.27%, which is considered low.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no late or derogatory credit payment or history,.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 25 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with current employer for over 21 years. |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 13 years 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 12 years 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $97,232.28. Required reserves $0. |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Active D | CRDLGL100 | Legal<br>document<br>incorrect or<br>incomplete | Yes | Subject<br>address per<br>Appraisal,<br>Sales<br>Contract,<br>HOI, Flood<br>and Sales<br>Contract is<br>XXXX<br>XXXX<br>XXXX<br>XXXXX.<br>The Note, the<br>Mortgage and<br>General<br>Warranty<br>Deed all<br>show XXXX<br>XXXX<br>XXXX<br>XXXXX.<br>Correction<br>required and<br>proof of re-<br>recordation. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 credit score exceeds minimum FICO score of 620 by 147 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.94 DTI is below 45 Max<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0 x 30 in 99 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.99 LTV is below Max 97 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA —<br>Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | No | Unable to<br>make<br>determination<br>on based on<br>missing Note,<br>Mortgage | 9/17/2025<br>Received<br>missing<br>note and<br>mortgage.<br>Review of<br>note/<br>mortgage<br>supports<br>terms used<br>to qualify. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 15 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit line usage ratio is 19%. |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing<br>Mortgage | No | Missing<br>Mortgage | 9/19/2025:<br>Received<br>Mortgage. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 15 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit line usage ratio is 19%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing<br>Note | No | Missing<br>Note | 9/19/2025:<br>Received the<br>Note. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 15 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit line usage ratio is 19%. |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID —<br>Corrected<br>CD<br>should<br>have been<br>provided;<br>Change of<br>Product<br>or<br>Product<br>Feature<br>not<br>disclosed<br>at least 3<br>business<br>days prior<br>to closing | No | Missing<br>confirmation<br>of receipt<br>for the<br>initial CD<br>XXX | 9/19/2025:<br>Received the<br>Initial CD | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 15 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit line usage ratio is 19%. |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Legal<br>Documents | Satisfied D A | CRDLGL225 | Missing<br>Rider | No | 9/19/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Provide the<br>PUD Rider. | 9/25/2025:<br>Received PUD<br>Rider for<br>another file.<br>Not this<br>loan.9/29/2025:<br>Received PUD<br>Rider. | 9/25/2025:<br>Exception<br>remains.9/29/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 15 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit line usage ratio is 19%. |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 9/17/2025<br>Received BPO.<br>Value<br>supported<br>within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for over 6 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 15 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit line usage ratio is 19%. |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.31% is below Guidelines 50% maximum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below Guidelines 95% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $130,408.52 exceed $0 required by DU. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | PIW<br>approved<br>loan.<br>XXXXXX<br>to order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 804 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 18 years. |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>date<br>XXXXXX<br>and AUS<br>approval<br>XXXXXX.<br>PDI to be<br>ordered by<br>XXXXXX. | 9/9/2025L<br>Client<br>acknowledged<br>and waived<br>due to public<br>assistance<br>only | 9/9/2025:<br>Exception<br>waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 804 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 18 years. |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide<br>missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 767 exceeds minimum FICO score of 620 by 147 points<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no lates<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 30%<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Did not use B1 incentive income or B2 W-2 income |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is not<br>available<br>for the<br>transaction.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 764. Minimum required 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 14 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $82,917.65 or 22.03 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 806. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $57,197.11 or 23.04 months reserves. No reserves are required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 68.58%. Max 95% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the current profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is > the minimum credit score of 620.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $83,420.87; required assets $55,807.34; verified reserves of $27,613.53 of 14.17 months; required reserves $0.00.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current primary residence mortgage reviewed for 30 months with 0x30. |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | Yes | 1. The<br>retirement<br>statement<br>references a<br>former spouse<br>deduction in<br>the amount of<br>$XXX.<br>Provide<br>divorce<br>decree/<br>separation<br>agreement.2.<br>Provide<br>supporting<br>documentation<br>for the<br>separate<br>maintenance<br>expense in the<br>amount of<br>$331.07 as<br>listed on the<br>final loan<br>application. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 credit score exceeds minimum FICO score by 169 points.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No mortgage lates listed on credit report<br>CFCFS2860: Good credit history<br> - Clayton Comments: Client has good credit history |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D C A | Credit | Credit/Mtg<br>History | Active C | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | Yes | 1. The<br>retirement<br>statement<br>references a<br>former spouse<br>deduction in<br>the amount of<br>$XXX.<br>Provide<br>divorce<br>decree/<br>separation<br>agreement.2.<br>Provide<br>supporting<br>documentation<br>for the<br>separate<br>maintenance<br>expense in the<br>amount of<br>$331.07 as<br>listed on the<br>final loan<br>application. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 credit score exceeds minimum FICO score by 169 points.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No mortgage lates listed on credit report<br>CFCFS2860: Good credit history<br> - Clayton Comments: Client has good credit history |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>Valuation: CU<br>score is > 2.5.<br>Clayton to<br>order desk<br>review. | 9/17/2025<br>Desk<br>Review<br>received.<br>Value<br>supported<br>within<br>tolerance. | 9/17/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.45% is below the maximum allowable of 95%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned home for over 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 138 months exceeds the required 0 months reserves. |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Verbal<br>verification of<br>employment<br>missing for<br>XXXXXX | 9/24/2025:<br>Received<br>VVOE<br>dated<br>XXXXXX. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $12,103.47. Required reserves $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 801 FICO score. Minimum required 700.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 14 years 2 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Cu score<br>2.6.<br>Clayton<br>to order<br>CDA | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guidelines require min score of 620. Mid fico is 778.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: DU requires reserves in the amount of $0. Total reserves verified in the amount of $198,657.77 (with EMD deducted).<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI max 50%; borrower DTI 26.79% |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>2.6.<br>Clayton<br>to order<br>Desk<br>Review. | 9/18/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 15 years at current residence<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 fico score<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 46.48 LTV |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post Close Assets are $160,204.61 or 48.92 months of or PITI Required Reserves $0.00<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Maximum LTV 95% Current LTV 80%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using only 3% of available credit |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 64.20% is 32.80 points below the program guideline maximum 97%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 772 > is above guideline minimum credit score 620. |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is 187 points above minimum program requirement of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80.00% below max of 97%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 775 above minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.89% below max of 45% |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 757. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.40%. Max 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $208,101.01 or 94.20 months. Required reserves $82 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 fico score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $139,976 or 40.10 months of P&I |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $249,049.71 or 71.39 months PITI reserves exceed required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds guidelines.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 95. |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score<br>not<br>established.<br>Clayton to<br>order desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years 3 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 8 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 78.50% below program maximum 95.00%.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 25 mos. 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Active D | PRVAAPPR275 | Completed<br>"Subject To"<br>w/o<br>Completion<br>Cert in File | Yes | Missing form 1004D to<br>support the completion of<br>subject construction.<br>Appraisal was completed<br>subject to. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 801 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in this line of work in the past: 38 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 38 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 20 years. |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 year at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 36 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 fico score |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Clayton ATR/QM Lender<br>status determination of non<br>QM Lender Documented<br>All ATR U/W factors.<br>Lender status<br>determination: QM: Safe<br>Harbor (APOR). | 9/29/2025:<br>Received Safe<br>Harbor<br>determination. | 9/29/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The co borrower has been in the profession for 19 years and 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage history reviewed for 43 months with 0 x 30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $354,795.85; required assets of $138,381.28; verified reserves of $216,414.57 or 84.67 months; required reserves $0.00.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 19.03% is < the maximum dti of 45%. |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Total charges $16,203.00;<br>Total Loan Amount<br>$XXXXXX; Maximum<br>Charges 5.000% Maximum<br>Charges $16,164.75<br>Charges Margin to<br>Threshold $38.25 Total<br>Charges 5.012%. | 9/29/2025:<br>received<br>Mavent<br>Report and<br>entered info<br>for Bonafide<br>fee. Loan<br>meets max<br>fees allowed. | 9/29/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The co borrower has been in the profession for 19 years and 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage history reviewed for 43 months with 0 x 30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $354,795.85; required assets of $138,381.28; verified reserves of $216,414.57 or 84.67 months; required reserves $0.00.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 19.03% is < the maximum dti of 45%. |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Section<br>32 | Satisfied C A | CMPS32371 | Section 32<br>Loan per<br>Points and<br>Fees Test | No | $16,203.00 Total Loan<br>Amount $XXXXXX<br>Maximum Charges%5.000%Maximum<br>Charges$16,164.75Charges<br>Margin to<br>Threshold$38.25Total<br>Charges %5.012%Exceeds<br>fees test threshold?Yes<br>Missing the Undiscounted<br>Rate to confirm Bona Fide<br>discount points. | 9/29/2025:<br>received<br>Mavent<br>Report and<br>entered info<br>for Bonafide<br>fee. Loan<br>meets max<br>fees allowed. | 9/29/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The co borrower has been in the profession for 19 years and 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage history reviewed for 43 months with 0 x 30.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $354,795.85; required assets of $138,381.28; verified reserves of $216,414.57 or 84.67 months; required reserves $0.00.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 19.03% is < the maximum dti of 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>Condition is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Condition<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The co borrower has been in the profession for 19 years and 10 months.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage history reviewed for 43 months with 0 x 30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $354,795.85; required assets of $138,381.28; verified reserves of $216,414.57 or 84.67 months; required reserves $0.00.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 19.03% is < the maximum dti of 45%. |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 23 Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 774 FICO Score Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $58,459.99 or 15.17 months of PITIA$8,441 Reserves Required |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 37 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Guidelines require min score of 620. Mid fico is 791.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $33,091.63 or 8.78 months. No reserves required. |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 is > the minimum credit score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.07% is < the maximum DTI of 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 8 years and 9 months. |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID —<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry | No | Seller CD<br>not in file;<br>need in order<br>to complete<br>fee entry. | 09.26.2025<br>-Seller CD<br>received. | 09.26.2025<br>-Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 767 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% below max of 97%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.38 below max DTi of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 749 exceed minimum of 620 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>of 2.6 is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 9/17/2025<br>Desk review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 809 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 79.89% is 17.11 points below the program guideline maximum 97%. |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 767. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets $17100.09 or 6.82 months PITI reservesNo reserves required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%. Max 97%. |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of772 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of72.83 is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close assets: $46,059.54 or 19.8 months of PITIA. 0 months required. |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Missing<br>subsequent<br>inspection<br>since<br>FEMA<br>disaster.<br>Appraisal<br>dated<br>XXXXXX.<br>FEMA<br>disaster<br>XXXXXX. | 9/10/2025:<br>Client<br>acknowledged<br>and waived<br>due to public<br>assistance<br>only. | 9/10/2025:<br>Waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of772 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of72.83 is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close assets: $46,059.54 or 19.8 months of PITIA. 0 months required. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 1.38% revolving credit utilization<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 FICO exceeds program min allowable of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.17% DTI is below program max allowable of 45%. |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI 32.48 % Max DTI allowed is 45%,<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 790 FICO Score Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $19, 7266.16 or 6.94 months of PITIANo Reserves Required |
| &nbsp;&nbsp;&nbsp;493 | XXXXXX | XXXXXX | WY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>Condition is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Condition<br>satisfied.<br>Final Grade<br>A. (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in the same residence for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV; max 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $36,608.84 reserves; $0 reserves required by DU.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qual score; min 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.37% DTI; max 50%. |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>Condition is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Condition<br>satisfied.<br>Final Grade<br>A. (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 fico score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 147263 reserves Post closing |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.89 LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 fico score |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 fico score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $48457.36 or 16.48 months of P&I |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7.75yrs tenure with current employer<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income not used in qualifying. Borrower and Co-Borrower Bonus earnings not included in analysis. B1 WVOE Bonus $40,385/12=$3365.42<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines. Post Close Assets are $206,822.70. Required Reserves are $0 |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 815 Fico Score, Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets of $538879.71 or 114.56 months of P&I |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 fico score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 86,539.88 in post closing reserves. DU requires $0. |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21.87% is below Guidelines 50% maximum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.69% is below Guidelines 95% maximum.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower employed with the same employer for 27 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score of 794 exceeds minimum FICO score of 620 by 174 points<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Both clients pay stubs show bonus income but only using base income for both clients to qualify<br>CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Verified over 240k in post close reserves |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned no<br>score.<br>XXXXXX to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 811 is 191 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.37% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>not returned.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.69% is below Guideline's maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.95% is below Guideline's maximum of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $105,436.11 exceed LP $0 required. |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>Condition is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Condition<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 42 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.48% is < the maximum of 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $212,549.75; required assets of $200,843.04; verified reserves of $11,706.71 or 4.09 months; required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 is > the minimum of 620. |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $13,750.75<br>Zero<br>Tolerance.<br>Missing<br>complete<br>Loan<br>Estimate,<br>unable to test<br>the loan for<br>Zero<br>Tolerance<br>Fees. | 09.25.2025<br>— Missing<br>LE<br>received. | 09.25.2025<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 42 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.48% is < the maximum of 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $212,549.75; required assets of $200,843.04; verified reserves of $11,706.71 or 4.09 months; required reserves of $0.00.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 is > the minimum of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID — CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | $80.00 Ten<br>Percent<br>Tolerance.<br>Missing<br>complete<br>Loan<br>Estimate,<br>unable to<br>test the<br>loan for<br>Ten<br>Percent<br>Tolerance<br>Fees. | 09.25.2025<br>— Missing<br>LE<br>received. | 09.25.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 42 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.48% is < the maximum of 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $212,549.75; required assets of $200,843.04; verified reserves of $11,706.71 or 4.09 months; required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 is > the minimum of 620. |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID3494 | TRID — Loan<br>Estimate<br>Missing | No | LE<br>XXXXXX<br>is<br>Incomplete;<br>Missing<br>pages, only<br>received<br>page 1. | 09.25.2025<br>— Missing<br>LE<br>received. | 09.25.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 42 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.48% is < the maximum of 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $212,549.75; required assets of $200,843.04; verified reserves of $11,706.71 or 4.09 months; required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 is > the minimum of 620. |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed<br>"Subject To"<br>w/o<br>Completion<br>Cert in File | No | Missing<br>Completion<br>Cert. | 9/24/2025:<br>Received<br>Final from<br>builder. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 42 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.48% is < the maximum of 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $212,549.75; required assets of $200,843.04; verified reserves of $11,706.71 or 4.09 months; required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 is > the minimum of 620. |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years 7 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has 9 years 8 months at current job.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10 years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 67.58% below program maximum 95.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reports 50 mos. 0x30, 35 mos. 0x30, 26 mos. 0x30, and 26 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score 808 above minimum 620. |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 97%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.97% is below guideline requirement of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 747 exceeds guideline requirement of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved.<br>XXXXXX<br>to order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48185 for reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 fico score |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Declaration<br>XXXXXX<br>XXXXXX.<br>XXXXXX.<br>Latest LP<br>run<br>XXXXXX.<br>Clayton to<br>order PDI<br>verifying<br>no damage. | 9/8/2025:<br>Client<br>acknowledged<br>and waived<br>due to public<br>assistance<br>only | 9/8/2025:<br>Exception<br>waived. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48185 for reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 fico score |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 796 median FICO. Minimum required 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide the<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 fico score |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved.<br>XXXXXX<br>to order<br>BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 fico score |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession over 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 773. Minimum required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 15.49%. Max 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing asset are $1,130,482.72 or $236.87 months PITI reserves. Reserves are not required |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | State<br>Consumer<br>Protection | Active B | CMPSTCP1770 | OH<br>CSPA;<br>Required<br>Closing<br>Disclosure<br>not<br>provided<br>to<br>borrower | No | Missing<br>OH Right<br>Not To<br>Close<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 8 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 fico score |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: reserves totaling 14672.00 2 months reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: dti 33.80 below max DTI of 45.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 798; minimum requirement of 620 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer for 17 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no history of delinquency or derogatory credit in last 24 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have minimal use of their credit. |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 807 Guidelines allow 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $24,173.50 or 8.63 months of PITIANo Reserves Required per AUS |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Provide<br>Final CD<br>or ALTA<br>for REO<br>on<br>XXXXXX<br>to verify<br>net<br>proceeds<br>and lien<br>PIF. The<br>one in the<br>file is an<br>unsigned<br>Estimate. | 9/30/2025:<br>Received<br>signed<br>ALTA. | 9/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.42% is below guideline requirement of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 749 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required. Verified post closing assets of $14,397.97 or 4.96 months PITI. |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.00% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 772 is 152 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 17.33% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;308 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 95.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $66,906.91 or 17.76 months PITI reserves exceed required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 784 exceeds guidelines. |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient<br>Funds to<br>Close | No | Missing<br>documents<br>supporting<br>the<br>Secured<br>borrowed<br>funds per<br>AUS<br>approval.<br>Provide<br>verification<br>funds<br>disbursed<br>to cover<br>required<br>closing<br>costs. | 9/30/2025:<br>Received<br>Final CD<br>dated<br>XXXXXX<br>showing<br>funds<br>disbursed<br>$298,463.97<br>for<br>XXXXXX<br>on<br>XXXXXX<br>REO. | 9/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 816 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 8 years. |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 21 years in profession<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.35 LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 747 fico score |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller fees<br>listed on<br>Seller CD<br>but not<br>Borrower<br>final CD. As<br>the fees are<br>at least<br>reflected<br>there is no<br>material<br>issue. This<br>Condition is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID<br>2.0 revisions.<br>Condition<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 credit score exceeds minimum FICO score of 620 by 181 points<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no lates listed<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B2 WVOE indicates client has history of bonus income but aligned with lender and only used base to qualify |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with current employer for 6 years with a start date of 5/22/2019.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets of $117,314.87; assets required to close $104,630.16; verified reserves of $12,684.71 or 4.18 month; required reserves $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 786 is > the minimum credit score of 620. |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI max 50%; Borrower DTI 31.03%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum fico 620; Borrower Fico 785<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $217,662.63DU Required verified assets $162,393. Excess $140,630.37 |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score is<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 32 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 credit score exceeds minimum required of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employer for 12 years and 9 months. |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.55% is below the maximum allowable of 97%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 14 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 2.33 months exceeds the required 0 months reserves. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 785 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 20 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 38 years. |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 9/17/2025<br>Desk review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below guideline requirement max of 97.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower Credit usage ratio of 5.27% reflects a minimal use of credit.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.53 is below guideline requirement. |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 FICO SCORE<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $72228x or 16.64 months of P&I |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID —<br>Corrected<br>CD should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Provide<br>proof of<br>receipt for<br>initial CD<br>XXXXXX<br>at least 3<br>business<br>days prior<br>to closing. | 09.22.2025 —<br>Unsigned CD<br>received<br>however 3<br>day waiting<br>period not<br>observed and<br>mailbox rule<br>does not<br>satisfy. Need<br>evidence CD<br>was received<br>at least 3<br>business days<br>prior to<br>consummation<br>on XXXXXX.<br>09.26.2025 —<br>E sign<br>summary of<br>cd received<br>XXXXXX. | 09.22.2025 -<br>Exception<br>remains09.26.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 7 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 740 is 120 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.86% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID — CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Provide<br>proof of<br>receipt for<br>initial CD<br>XXXXXX<br>at least 3<br>business<br>days prior<br>to closing. | 09.22.2025 —<br>Unsigned CD<br>received<br>however 3<br>day waiting<br>period not<br>observed and<br>mailbox rule<br>does not<br>satisfy. Need<br>evidence CD<br>was received<br>at least 3<br>business days<br>prior to<br>consummation<br>on XXXXXX.<br>09.26.2025 —<br>E sign<br>summary of<br>cd received<br>XXXXXX. | 09.22.2025 -<br>Exception<br>remains09.26.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 7 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 740 is 120 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.86% DTI is below guideline requirement of 50.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>XXXXXX<br>to order<br>BPO | 9/17/2025<br>BPO<br>received.<br>Value<br>supported<br>within<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 7 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 740 is 120 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.86% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual<br>& Public) | No | FEMA<br>Disaster<br>Declarations<br>on<br>XXXXXX<br>and<br>effective<br>from<br>XXXXXX<br>due to<br>XXXXXX<br>in the Area.<br>Latest AUS<br>is dated<br>XXXXXX.<br>XXXXXX<br>to order PDI<br>report | 9/19/2025<br>Received<br>PDI. No<br>damage<br>noted to<br>subject<br>property. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 7 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 740 is 120 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.86% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | FNMA<br>guidelines<br>require 12<br>months<br>proof of<br>receipt for<br>housing or<br>parsonage<br>allowance.<br>Please<br>provide 12<br>months<br>history of<br>housing<br>allowance.<br>The<br>Employer<br>Letter dated<br>XXXXXX<br>needs to<br>include the<br>employment<br>position and<br>phone<br>number for<br>XXXXXX,<br>who<br>completed<br>the Letter. | 9/25/2025:<br>Received<br>verification<br>of<br>XXXXXX<br>as<br>XXXXXX,<br>whom<br>wrote the<br>VVOE<br>letter<br>verifying<br>housing<br>allowance<br>history. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 credit score exceeds minimum FICO requirement of 620 by 193 points.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Clients have excellent credit history with no lates listed<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV below 52% which is significantly below minimum requirement of 97% |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Per<br>disclosure<br>tracker<br>revised LE<br>XXXXXX<br>was issued.<br>Missing<br>revised LE<br>w/<br>applicable<br>COC form. | 09.26.2025<br>— Missing<br>COC and<br>LE<br>received. | 09.26.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 credit score exceeds minimum FICO requirement of 620 by 193 points.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Clients have excellent credit history with no lates listed<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV below 52% which is significantly below minimum requirement of 97% |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | LA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | No | FNMA<br>guidelines<br>require 12<br>months<br>proof of<br>receipt for<br>housing or<br>parsonage<br>allowance.<br>Please<br>provide 12<br>months<br>history of<br>housing<br>allowance.<br>The<br>Employer<br>Letter dated<br>XXXXXX<br>needs to<br>include the<br>employment<br>position and<br>phone<br>number for<br>XXXXXX,<br>who<br>completed<br>the Letter. | 9/25/2025:<br>Received<br>verification<br>of<br>XXXXXX<br>as<br>XXXXXX,<br>whom<br>wrote the<br>VVOE<br>letter<br>verifying<br>housing<br>allowance<br>history. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 credit score exceeds minimum FICO requirement of 620 by 193 points.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Clients have excellent credit history with no lates listed<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV below 52% which is significantly below minimum requirement of 97% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 806 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x66.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 7 years. |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of delinquent or derogatory credit history.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in their profession, XXXXXX, for over 9 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a 54% credit line usage ratio. |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 5 years 7 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 5 years 7 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $71,085.99. Required reserves $0. |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.82% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 806 is 186 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.68% DTI is below guideline requirement of 50.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 is 192 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.37% is below the guideline minimum of 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>XXXXXX<br>to order<br>deskreview. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.27% LTV below 95% guideline requirements<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 140 consecutive months mortgage payment history exceeds 24 month minimum guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no late pay/derog line items. 790 Median Score, 1/2008 oldest trade, 140 months mortgage history. |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 778 > is above guideline minimum credit score 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 16 years. |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 fico score Minimum FICO is 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31 DTI Max DTI is 45%, unless AUS approves higher.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $33375.67 or 33.18 months of P&I |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no late or derogatory credit history.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit ratio usage is 55.59%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history on credit report confirms no late or derogatory payment history. |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 769 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 16 years. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;416 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Guidelines require min score of 620. Mid fico is 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: DU requires reserves in the amount of $0. Total reserves verified in the amount of $3,404.27. |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.362% is below the 95% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 777 FICO score is above the 620 min.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.41% DTI is below the 45% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers $1,99,468.35 in reserves exceeds the 0 required. |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations FEMA | Satisfied C A | PRVAFEMA858 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual<br>& Public) | No | FEMA<br>Declaration

#XXXXXX<br>XXXXXX<br>XXXXXX.<br>Latest DU<br>was run<br>6/12/2025,<br>Appraisal<br>completed<br>XXXXXX.<br>Clayton to<br>order PDI<br>report<br>verifying no<br>damage. | 9/19/2025:<br>Received<br>clear PDI<br>report<br>dated<br>9/18/2025, | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.66% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 774 is 154 points above program guideline minimum of 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 1 month<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.82% DTI is below guideline requirement of 50.00%. |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.31 % is below Guidelines maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines maximum of 95%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Existing mortgage with NewAmFund 48 months reviewed with 0 x 30, 0x 60 and 0 x 90. |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.98 LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $82,091.44 or 29.72 months of PITI if requiredRequired or PITI if required Reserves are $0.00 x number of months = $0.00 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed<br>"Subject To"<br>w/o<br>Completion<br>Cert in File | No | Missing<br>completion<br>cert | 9/25/2025:<br>Received<br>builder<br>document<br>stating<br>complete.<br>Appraiser must<br>revisit subject<br>and verify 100%<br>complete per<br>plans and<br>specs.9/26/2025:<br>Lender provided<br>FNMA guides<br>showing alt doc<br>is allowed. | 9/25/2025:<br>Exception<br>remains.9/26/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 FICO exceeds program min allowable of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.04% LTV is below program max allowable of 97%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 1.78% revolving credit utilization. |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Texas<br>Home<br>Equity | Satisfied C B | CMPTXHE119 | Texas Equity<br>- Affidavit of<br>Fair Market<br>Value not<br>signed by<br>lender | No | Affidavit of<br>Fair Market<br>Value not<br>signed by<br>lender. | 10/1/2025:<br>Received FMV<br>Affidavit<br>signed/dated. | 10/1/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is below guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $131,141.92 in post closing reserves - $5877 XXXXXX balance = $125,264.92 in post closing reserves. DU requires $43,735.23. |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $22.69 due<br>to increase in<br>Survey fee<br>from $275.00<br>on LE<br>XXXXXX to<br>$297.69 CD<br>XXXXXX.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower. | 10/1/2025:<br>Received<br>PCCD, LOX,<br>$22.69 check to<br>borrower and<br>prrof sent. | 10/1/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is below guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $131,141.92 in post closing reserves - $5877 XXXXXX balance = $125,264.92 in post closing reserves. DU requires $43,735.23. |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is below guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $131,141.92 in post closing reserves - $5877 XXXXXX balance = $125,264.92 in post closing reserves. DU requires $43,735.23. |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | No change in<br>loan product.<br>Loan product<br>consistent<br>throughout.<br>Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>XXXXXX 3<br>days prior to<br>consummation<br>date of<br>XXXXXX | 09.26.2025 - CD<br>receipt received. | 09.26.2025 -<br>Exception satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years in the same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 fico score |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>XXXXXX 3<br>days prior to<br>consummation<br>date of<br>XXXXXX | 09.26.2025<br>- CD<br>receipt<br>received. | 09.26.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 30 years in the same line of work<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 fico score |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 34 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 775. Minimum 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing Assets $88,340.94 or 18.74 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 credit score; 620 minimum required FICO<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline 9/2002, reporting 0x30 |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Provide<br>Affiliated<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Months PITI Reserves (Qual Rate)160.42Cash Reserves$1,104,729.18<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum fico 620; Borrower fico 789<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 74.75%; max LTV 95. |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score 2.6.<br>Clayton to<br>order Desk<br>Review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Months PITI Reserves (Qual Rate)160.42Cash Reserves$1,104,729.18<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum fico 620; Borrower fico 789<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 74.75%; max LTV 95. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing<br>Lender QM<br>Determination. | 9/30/2025:<br>Received Safe<br>Harbor<br>determination. | 9/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.24 ltv<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 fico score |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.96 LTV<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 fico score |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Missing initial<br>CD. | 09.22.2025 -<br>Initial CD<br>received. | 09.22.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 FICO score exceeds minimum FICO requirements by 110 points<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 78% LTV is well within minimum LTV requirement of 95%<br>CFCFS2860: Good credit history - Clayton Comments: Good credit history with no lates listed |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Missing Initial<br>CD. | 09.22.2025 -<br>Initial CD<br>received. | 09.22.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 FICO score exceeds minimum FICO requirements by 110 points<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 78% LTV is well within minimum LTV requirement of 95%<br>CFCFS2860: Good credit history - Clayton Comments: Good credit history with no lates listed |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers 741 FICO exceeds the 620 min.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.938% LTV is below the 95% max.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $174,342.07 or 39.20 months PITIA. No reserves required. |

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 qual score; min 620.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same residence for 17 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 11.96% LTV; max 80%. |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 764 Guidelines allow 620<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $8,694.63 or 3 months of PITIANo Reserves Required per AUS |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 774. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing Assets $29,313.45 or 8.49 months PITI reserves. No reserves required<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 71.34%. Max 95%. |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 32 years being self employed.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 789 > is above guideline minimum credit score 620. |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history - Clayton Comments: Borrowers have no late payments in last 24 months.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have a credit utilization ratio of 4%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late or derogatory mortgage history in last 24 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 803 exceeds min score requirement of 620.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in this line of work in the past: 17 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 9 years. |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the subject property for 10 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.45% is < the maximum LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 755 is > the minimum credit score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.71% is > the maximum DTI of 45%. |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2642 | Missing proof<br>that HELOC<br>has been paid<br>and closed to<br>future draws | No | Missing<br>documentation<br>to support<br>HELOC with<br>XXXXXX is<br>closed to<br>future draws. | 9/25/2025:<br>Received<br>Release of<br>lien. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the subject property for 10 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.45% is < the maximum LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 755 is > the minimum credit score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.71% is < the maximum DTI of 45%. |
| &nbsp;&nbsp;&nbsp;505 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Please provide<br>list of<br>homeowners<br>counseling<br>organizations. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 797 FICO score. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $46,890.17 or 9.06 mos. PITIA. No reserves required.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 42 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;505 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero Tolerance<br>Fee of $617.95<br>due to<br>Settlement Fee<br>($135)<br>increase on<br>CD<br>XXXXXX,<br>Attorney Fee<br>$375) increase<br>on CD<br>XXXXXX,<br>Title<br>Commitment<br>fee ($24)<br>increase on<br>CD<br>XXXXXX,<br>Certified<br>Processing fee<br>($4.95) on CD<br>XXXXXX,<br>Title<br>Processing fee<br>($50) on CD<br>XXXXXX, E-<br>Recording Fee<br>($19)<br>increased on<br>CD XXXXXX<br>and E-<br>Recording Fee<br>($10)<br>increased on<br>CD<br>XXXXXX.<br>Provide a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower with<br>proof of<br>delivery via<br>tracking<br>method within<br>60 days of<br>consummation. | 09.26.2025<br>-<br>XXXXXX<br>provided<br>all fees<br>were<br>shoppable. | 09.26.2025<br>-<br>Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 797 FICO score. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $46,890.17 or 9.06 mos. PITIA. No reserves required.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 42 mos. 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Active D | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | Yes | Missing<br>verification<br>that the<br>XXXXXX<br>account ending<br>XXXXXX<br>belongs to the<br>borrower. This<br>account was<br>listed on the<br>1003 as a<br>source of<br>funds to close<br>and a account<br>summary was<br>provided in the<br>loan file but it<br>does not list<br>the account<br>owners name.<br>Missing bank<br>statement or<br>other<br>documentation<br>to verify the<br>borrower is the<br>owner of this<br>account. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at the current residence for 8 years<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrowers business XXXXXX started in 2016<br>CFCFS2860: Good credit history - Clayton Comments: The borrowers credit history is positive over the review period. |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 20 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 771. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing Assets $617,977.85 or 181.89 months PITI reserves. No reserves required |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | The LE<br>XXXXXX has<br>transfer taxes<br>of $719.00.<br>The Post CD<br>XXXXXX has<br>transfer taxes<br>of $747.45.<br>Difference is<br>$28.45. Not on<br>any CoCs in<br>file. Provide<br>Internal COC<br>reflecting valid<br>reason for the<br>fee changes<br>within 3<br>business days<br>of change or<br>PCCD with<br>cure, copy of<br>cure check,<br>LOE to<br>Borrower and<br>Evidence of<br>delivery via<br>shipping<br>method<br>including<br>tracking,<br>within 60 days<br>of discovery/<br>consummation. | 09.26.2025<br>- COC<br>provided. | 09.26.2025<br>-<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 785. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $178,093.48 or 41.77 months PITI reserves. No reserves required<br>CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 18 years. |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is ><br>2.5. Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 785. Minimum required 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $178,093.48 or 41.77 months PITI reserves. No reserves required<br>CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 18 years. |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 credit score exceeds the 620 minimum guideline requirement by 173 points.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 31% DTI is 14% below the maximum guideline requirement of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified post closing cash reserves of $64,902 exceed the minimum guideline requirement of $0 by $64,902. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years 6 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 16 years 8 months. CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0X30X39.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $56,723.61. Required reserves $0. |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers 802 FICO score is above the 620 min.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers $160367 in reserves is above the 0 required.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV is below the 97% max. |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score<br>established.<br>XXXXXX<br>to order<br>desk<br>review. | 9/18/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.35% is below guideline requirement of 45%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below guideline requirement of 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 735 exceeds guideline requirement of 620. |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA Risk<br>not<br>assessed.<br>Clayton to<br>order desk<br>review. | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $69,329.72 or 14.23 months PITI reserves exceed required reserves of $0.00.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 60.39 is below guideline requirement max of 95.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 803 exceeds guidelines. |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-0.93%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 credit score exceeds minimum FICO score of 620 by 181 points.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI which is below 30%<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 63% LTV is 34 points below minimum LTV requirement of 97% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected<br>CD should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Please<br>provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>issued<br>XXXXXX | 09.26.2025<br>- e sign<br>summary<br>received. | 09.26.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 22 years at current job<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.95 LTV<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 fico score |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Please<br>provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>issued<br>XXXXXX | 09.26.2025<br>- e sign<br>summary<br>received. | 09.26.2025<br>-<br>Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 22 years at current job<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.95 LTV<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 fico score |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-0.91%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 22 years at current job<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.95 LTV<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 fico score |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score 2.6.<br>Clayton to<br>order Desk<br>Review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 11 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 fico score |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual &<br>Public) | No | FEMA<br>declaration<br>for XXXXXX<br>XXXXXX<br>and appraisal<br>date<br>XXXXXX.<br>PDI to be<br>ordered by<br>Clayton | 9/19/2025:<br>Received<br>clear PDI<br>report<br>dated<br>9/18/2025. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 95%; Borrower LTV 39.72%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50%; DTI 39.72%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum FICO 620FICO median 794 |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 15.32% below max of 45%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 764; minimum score is 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $198,272.78/34 months PITIA exceeding guidelines. |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Recording<br>Fees went<br>above<br>tolerance. LE<br>XXXXXX has<br>recording fees<br>of $650,<br>adding the<br>10% tolerance<br>of $65, gives<br>maximum<br>amount<br>allowed $715.<br>Final CD<br>XXXXXX has<br>recording fees<br>of $748.50.<br>The $748.50<br>less maximum<br>allowed of<br>$715.00 is<br>$33.50<br>overcharged<br>the borrower.<br>No COC in<br>file for<br>recording fee.<br>Provide<br>Internal COC<br>reflecting valid<br>reason for the<br>fee changes<br>within 3<br>business days<br>of change or<br>PCCD with<br>cure, copy of<br>cure check,<br>LOE to<br>Borrower and<br>Evidence of<br>delivery via<br>shipping<br>method<br>including<br>tracking,<br>within 60 days<br>of discovery/<br>consummation. | 09.26.2025<br>- COC<br>provided. | 09.26.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 FICO SCORE<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $190,753.04 or 40.73 months of P&I |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 FICO SCORE<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $190,753.04 or 40.73 months of P&I |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing 1<br>month bank<br>statement for<br>1003 stated<br>assets: XXX

#XXXX<br>$10,177.57<br>and XXX

#XXXX<br>$70,591.65;<br>totaling<br>$80,769.22<br>Final CD<br>requires<br>$75,047.59<br>funds to close | 9/26/2025:<br>Received<br>asset<br>statements<br>for<br>6/30/2025,<br>5/30/2025. | 9/26/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession 5 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 credit score; 620 minimum required FICO<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 9/2013, reporting 0x30 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>N/A. Clayton<br>to order<br>deskreview | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession 5 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 credit score; 620 minimum required FICO<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 9/2013, reporting 0x30 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | State<br>Consumer<br>Protection | Active B | CMPSTCP1770 | OH CSPA;<br>Required<br>Closing<br>Disclosure not<br>provided to<br>borrower | No | Missing<br>XXXXXX<br>Right Not<br>To Close<br>Document | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 75.00% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 763 is 143 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.88% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>fully<br>executed or<br>title<br>company<br>stamped as<br>true and<br>certified<br>copy of<br>settlement<br>for sale of<br>XXXXXX<br>to support<br>property is<br>sold, lien<br>with<br>XXXXXX<br>is paid off<br>and net<br>equity of<br>$587,256.93<br>used to<br>qualify. | 9/25/2025:<br>Received<br>stamped Final<br>ALTA. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 799 Guidelines allow 620<br>CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Low LTV/CLTV/HLTV 64.07 % Guidelines allow 80% |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing<br>fully<br>executed or<br>title<br>company<br>stamped as<br>true and<br>certified<br>copy of<br>settlement<br>for sale of<br>XXXXXX<br>to support<br>property is<br>sold, lien<br>with<br>XXXXXX<br>is paid off<br>and net<br>equity of<br>$587,256.93<br>used to<br>qualify. | 9/25/2025:<br>Received<br>stamped Final<br>ALTA. | 9/25/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 799 Guidelines allow 620<br>CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Low LTV/CLTV/HLTV 64.07 % Guidelines allow 80% |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster Area,<br>no subsequent<br>inspection<br>(Public) | No | Appraisal<br>effective<br>date is listed<br>as<br>XXXXXX.<br>Disaster<br>declared on<br>XXXXXX.<br>Loan closed<br>on<br>XXXXXX. | 9/12/2025:<br>Client<br>acknowledged<br>and waived<br>exception due<br>to public<br>assistance<br>only. | 9/12/2025:<br>Exception<br>waived. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guidelines require min score of 620. Mid fico is 739.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: DU requires reserves in the amount of $0. Total reserves verified in the amount of $15,272.42 (EMD deducted). |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 14 years 6 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 7 years 10 months.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Positive mortgage payment history 0X30X56. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;638 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3970 | TRID—CD:<br>The Partial<br>Payments<br>section of<br>the Loan<br>Disclosures<br>section has<br>all three<br>options<br>selected, no<br>options<br>selected, or<br>an improper<br>combination<br>of<br>selections. | No | Provide<br>final CD<br>loan<br>disclosures<br>with an<br>option<br>selected in<br>the partial<br>payments<br>section. | 09.26.2025—PCCD<br>received with<br>partial payments<br>selection. | 09.26.2025— Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years—Clayton Comments: Borrowers have had no delinquent or derogatory mortgage history.<br>CFCFS2860: Good credit history—Clayton Comments: Borrowers have no delinquent or derogatory credit history.<br>CFCFS1734: Borrower has significant time at current job—Clayton Comments: Borrower has been with current employer for over 13 years. |
| &nbsp;&nbsp;&nbsp;638 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is > 2.5,<br>an<br>Updated<br>Valuation<br>is<br>required. | 9/18/2025 Desk<br>review received.<br>Value supported<br>with tolerance. | 9/19/2025 Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years—Clayton Comments: Borrowers have had no delinquent or derogatory mortgage history.<br>CFCFS2860: Good credit history—Clayton Comments: Borrowers have no delinquent or derogatory credit history.<br>CFCFS1734: Borrower has significant time at current job—Clayton Comments: Borrower has been with current employer for over 13 years. |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines—Clayton Comments: High Credit 738 Guidelines allow 620<br>CFCFS2854: Significant time in profession—Clayton Comments: Borrower has 20 Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines—Clayton Comments: Post Close Assets are $68,891.87 or 22.26 months of PITIANo Reserves Required per AUS |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence—Clayton Comments: Significant time at current residence, 6.67 years<br>CFCFS2854: Significant time in profession—Clayton Comments: Borrower has significant time in profession 8 years.<br>CFCFS1741: Credit score exceeds guidelines—Clayton Comments: 730 credit score; Minimum FICO is 620<br>CFCFS1740: Mortgage payment history exceeds guidelines—Clayton Comments: 0x30x55 Mortgage payment history exceeds guidelines |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines—Clayton Comments: Credit Score 814. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines—Clayton Comments: Post closing assets $17,683.03 or 4.08 months PITI reserves. No reserves required<br>CFCFS1737: LTV below guideline requirements—Clayton Comments: LTV 80%. Max 97%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation, no<br>CU score | 9/19/2025:<br>Received<br>Desk<br>Review<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 13.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x38 mortgage payment history exceeds guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 credit score; Minimum FICO is 620 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 140260.63 cash reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 fico score |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 808 Guidelines allow 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 11 Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 19 Years in Current Profession |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan<br>Estimate not<br>timely | No | Lender App<br>Date is<br>XXXXXX.<br>Earliest LE<br>provided is<br>dated<br>XXXXXX | 09.26.2025<br>- Initial LE<br>received. | 09.26.2025<br>-<br>Exception<br>satisifed (No<br>Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Ten Tolerance<br>Fee of $13.50<br>due to<br>Recording Fee<br>increase on<br>CD<br>XXXXXX.<br>Provide a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower with<br>proof of<br>delivery via<br>tracking<br>method within<br>60 days of<br>consummation. | 09.26.2025<br>- COC<br>provided | 09.26.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | (No Data) |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-1.67%). | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 fico score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.30 LTV |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide the<br>missing<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 FICO score exceeds minimum FICO score of 620 by 173 points<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below 33%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Excellent credit history with no lates listed |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>score >2.5.<br>Clayton to<br>order desk<br>review. | 9/17/2025<br>Desk<br>review<br>received.<br>Value<br>supported<br>with<br>tolerance. | 9/19/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with only 1x30 isolated aged late pay. 729 median score, oldest trade 12/1997.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $50,215.37 exceeding required reserves of $0 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 77.95% is below the maximum allowable of 97%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.10% is below the maximum allowable 50%. |

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| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 779 Guidelines allow 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI 37.40 % Max DTI allowed is 45%,<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $103,400.21 or 36.44 months of PITIANo Reserves Required per AUS |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 740 > is above guideline minimum credit score 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 8 years. |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 748 above minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 78.97 % below max allowed of 97%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 no lates over 24 months. |
| &nbsp;&nbsp;&nbsp;430 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.49% below max of 45.0%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 770 above minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 79.92% below max of 97% |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 fico score Minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $105941.62 or 21.30 months of P&I<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.60% DTI, Max DTI is 45%, unless AUS approves higher. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x54 Mortgage payment history exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 6.92 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 credit score; 620 minimum required FICO |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds minimum 620 Borrower fico 812<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI max 50%; Borrower DTI 22.68%<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Borrower has long term stable employment. |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC - PMTLT 2025-CNF1_J16134** |

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**Conditions Report 2.0** 

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| | |
|:---|:---|
| ***Loans in Report:*** | *260* |
| ***Loans with Conditions:*** | *172* |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | Yes | XXXXXX | XXXXXX D C B A | No |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | Yes | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | Yes | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | Yes | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | Yes | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | Yes | XXXXXX | XXXXXX D C B A | No |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | Yes | XXXXXX | XXXXXX D C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | Yes | XXXXXX | XXXXXX D C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;608 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | Yes | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | Yes | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;493 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;308 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;416 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not Applicable |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | Yes | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;505 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | Yes | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | Yes | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;638 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;430 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC - PMTLT 2025-CNF1_J16134** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *260* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 14084.5 | XXXXXX | 6.8197 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 11111.75 | XXXXXX | 6.3554 | Employed | Employed | Non-Resident Alien | Non-Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 10138 | XXXXXX | 6.667 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 14514 | XXXXXX | 6.5488 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6088.63 | XXXXXX | 6.4407 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 10174 | XXXXXX | 7.2303 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 15928.52 | XXXXXX | 6.9357 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 19234.25 | XXXXXX | 7.1235 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 12128 | XXXXXX | 7.1709 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 11214 | XXXXXX | 6.4134 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1088 | XXXXXX | 6.941 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5120 | XXXXXX | 6.6102 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2409 | XXXXXX | 6.7593 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1088 | XXXXXX | 6.7645 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8736 | XXXXXX | 7.1193 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5738 | XXXXXX | 6.422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3351.2 | XXXXXX | 6.4466 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4439.6 | XXXXXX | 6.2507 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4102.55 | XXXXXX | 6.7484 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1154.5 | XXXXXX | 6.4852 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8842.25 | XXXXXX | 6.6597 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.806 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2622.82 | XXXXXX | 6.913 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5919.1 | XXXXXX | 6.1372 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1777.7 | XXXXXX | 6.3305 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3462.17 | XXXXXX | 6.6542 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1589 | XXXXXX | 6.8908 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 521.68 | XXXXXX | 6.4943 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.9334 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3339 | XXXXXX | 6.2869 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8126.98 | XXXXXX | 6.573 | Retired | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.6753 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4273.84 | XXXXXX | 6.5957 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.4148 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.6955 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 7.0276 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2756.04 | XXXXXX | 6.8151 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.7077 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5907.32 | XXXXXX | 6.7711 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 12755.66 | XXXXXX | 5.9102 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.6046 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3948.48 | XXXXXX | 6.7424 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 11566.19 | XXXXXX | 6.9768 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4913.35 | XXXXXX | 6.8592 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3916.04 | XXXXXX | 6.3766 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.9534 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5829.67 | XXXXXX | 6.6039 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3666.5 | XXXXXX | 6.8178 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;571 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6137.56 | XXXXXX | 6.6019 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.5883 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.7876 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | ATR/QM: Status Pending | No | Yes | XXXXXX | XXXXXX | Yes | No | 1569 | XXXXXX | 7.1443 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3479.5 | XXXXXX | 6.798 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1806.7 | XXXXXX | 6.7569 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.9605 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1514.54 | XXXXXX | 6.6207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2392.5 | XXXXXX | 6.1764 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1495 | XXXXXX | 6.6885 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4100.73 | XXXXXX | 6.8084 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 11733.2 | XXXXXX | 5.9503 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 7.1962 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9948 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 7.1028 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3224.09 | XXXXXX | 6.182 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7316.4 | XXXXXX | 6.9641 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4778.06 | XXXXXX | 6.4497 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4463 | XXXXXX | 6.5466 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2562.25 | XXXXXX | 6.5869 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1662.35 | XXXXXX | 6.3609 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.2009 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6661.75 | XXXXXX | 6.3138 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2556.68 | XXXXXX | 7.2836 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2937.19 | XXXXXX | 6.7991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2817 | XXXXXX | 6.0805 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2873.58 | XXXXXX | 6.9374 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4283.37 | XXXXXX | 6.6439 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.5537 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 11435.93 | XXXXXX | 6.0876 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2714 | XXXXXX | 5.9412 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1620.2 | XXXXXX | 6.1432 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2551.35 | XXXXXX | 6.1152 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.4255 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5603.15 | XXXXXX | 6.7945 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5569.99 | XXXXXX | 6.2931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 569 | XXXXXX | 7.0338 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9168.35 | XXXXXX | 6.3082 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 579.7 | XXXXXX | 6.278 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1747 | XXXXXX | 6.9067 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8908.78 | XXXXXX | 6.4233 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;608 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 7.1579 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9871 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.594 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6020.18 | XXXXXX | 7.3036 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6480.44 | XXXXXX | 6.6083 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.3562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8084.3 | XXXXXX | 6.9985 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0934 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8320.88 | XXXXXX | 6.4068 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4755 | XXXXXX | 7.5359 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9322.55 | XXXXXX | 6.6687 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2367.48 | XXXXXX | 5.546 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1430 | XXXXXX | 7.4443 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3982.08 | XXXXXX | 6.5197 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 6.4135 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5615 | XXXXXX | 7.0166 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6495 | XXXXXX | 6.7212 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7817.54 | XXXXXX | 6.9101 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9230 | XXXXXX | 6.4972 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 18842.42 | XXXXXX | 6.8778 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3261.07 | XXXXXX | 7.3047 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 11170 | XXXXXX | 7.6394 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8995 | XXXXXX | 6.4953 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2217.48 | XXXXXX | 5.0372 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.0549 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 14355 | XXXXXX | 7.0087 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 500 | XXXXXX | 6.651 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6889 | XXXXXX | 6.203 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.872 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2418 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3976.82 | XXXXXX | 5.7895 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 12934.3 | XXXXXX | 5.0307 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 10970 | XXXXXX | 6.659 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 889.4 | XXXXXX | 6.5358 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5627 | XXXXXX | 6.049 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 4.9742 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2652.32 | XXXXXX | 4.9996 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | ATR/QM: Status Pending | No | Yes | XXXXXX | XXXXXX | Yes | No | 1508.12 | XXXXXX | 6.0235 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2005.96 | XXXXXX | 5.9983 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 250 | XXXXXX | 4.9851 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1751.24 | XXXXXX | 5.9983 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 6.6886 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6695 | XXXXXX | 6.5718 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 356.03 | XXXXXX | 4.7529 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3717.8 | XXXXXX | 4.895 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5791.15 | XXXXXX | 5.0572 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5380.25 | XXXXXX | 5.0212 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1510.71 | XXXXXX | 4.7711 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 5.0173 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 13909.4 | XXXXXX | 6.5039 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2681.51 | XXXXXX | 5.5225 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5007 | XXXXXX | 5.3124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 9378 | XXXXXX | 5.9563 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 10541 | XXXXXX | 6.4724 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 4.8794 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7745 | XXXXXX | 6.8084 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1910 | XXXXXX | 5.0658 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.2539 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1800 | XXXXXX | 5.5688 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 10139 | XXXXXX | 6.7495 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1750 | XXXXXX | 6.6203 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.0309 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3398 | XXXXXX | 6.5452 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;493 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3635 | XXXXXX | 6.5896 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7533.65 | XXXXXX | 5.2765 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.4828 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1728.6 | XXXXXX | 5.2556 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16925 | XXXXXX | 5.1712 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 12043.72 | XXXXXX | 6.1203 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1231.64 | XXXXXX | 4.7457 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3941.88 | XXXXXX | 5.1157 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.53 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 5.666 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 5.0991 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3633.99 | XXXXXX | 5.4582 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1785 | XXXXXX | 5.0851 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9239.05 | XXXXXX | 6.2939 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3320 | XXXXXX | 6.6049 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5997.66 | XXXXXX | 6.5788 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 996.8 | XXXXXX | 6.5281 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5675.48 | XXXXXX | 6.5906 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2289 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1570 | XXXXXX | 7.171 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3245 | XXXXXX | 6.4723 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1585 | XXXXXX | 5.676 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 4.7991 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2251.55 | XXXXXX | 5.5485 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;308 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3951.35 | XXXXXX | 5.5185 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 4319.96 | XXXXXX | 6.5751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 5500.38 | XXXXXX | 5.681 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3193 | XXXXXX | 6.5716 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 911.89 | XXXXXX | 6.3943 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1043.59 | XXXXXX | 4.7399 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 100 | XXXXXX | 6.5218 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 125 | XXXXXX | 5.9218 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1964.89 | XXXXXX | 5.0169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 100 | XXXXXX | 5.7669 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 645 | XXXXXX | 6.5196 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 545 | XXXXXX | 6.8606 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.5221 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.5337 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1638.39 | XXXXXX | 4.7863 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 17345.07 | XXXXXX | 6.3548 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.4776 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1800 | XXXXXX | 5.5734 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1820 | XXXXXX | 5.2783 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 713.72 | XXXXXX | 6.3479 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2832.52 | XXXXXX | 5.067 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3701.16 | XXXXXX | 4.9829 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1703.8 | XXXXXX | 4.9997 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;416 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 493.87 | XXXXXX | 5.9623 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1020 | XXXXXX | 5.0564 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.4695 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2170 | XXXXXX | 5.2807 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1336.29 | XXXXXX | 4.8797 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1840 | XXXXXX | 5.335 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1479.77 | XXXXXX | 6.6179 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2650 | XXXXXX | 4.8006 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1100 | XXXXXX | 6.6514 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.4321 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1735 | XXXXXX | 6.6406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1668.95 | XXXXXX | 6.3997 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 100 | XXXXXX | 6.2763 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 690 | XXXXXX | 6.7782 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3261.75 | XXXXXX | 6.1413 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 3645 | XXXXXX | 6.5164 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2718.3 | XXXXXX | 5.9302 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1760 | XXXXXX | 5.9195 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1228.75 | XXXXXX | 0 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 12020 | XXXXXX | 6.4109 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 7135.82 | XXXXXX | 6.2245 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.8817 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;505 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.869 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9016 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 50 | XXXXXX | 6.0323 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0296 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9838 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.5372 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 6.1653 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 17088.48 | XXXXXX | 6.3095 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 8389.17 | XXXXXX | 6.3272 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4590 | XXXXXX | 6.5159 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1430 | XXXXXX | 7.224 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6816.54 | XXXXXX | 5.1297 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 16.93 | XXXXXX | 6.3735 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2928.24 | XXXXXX | 6.8278 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 6.0688 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 850 | XXXXXX | 5.9025 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 6734 | XXXXXX | 5.6566 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.4757 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1735 | XXXXXX | 5.0661 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;638 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1750 | XXXXXX | 6.1847 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 550 | XXXXXX | 6.6169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 7.0463 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 555.49 | XXXXXX | 6.0864 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 11068.3 | XXXXXX | 6.6901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 205.72 | XXXXXX | 6.0177 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.6487 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6900 | XXXXXX | 6.4425 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.551 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2020 | XXXXXX | 7.2527 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 100 | XXXXXX | 5.7247 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.5051 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1075.01 | XXXXXX | 5.5307 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9966 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.5316 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;430 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1430 | XXXXXX | 5.2654 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2355 | XXXXXX | 6.6783 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1950 | XXXXXX | 5.542 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 2598.65 | XXXXXX | 6.9915 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

<sup>©</sup>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 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

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| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC - PMTLT 2025-CNF1_J16134 |

---

**Loan Level Tape Compare Upload** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | Cash Reserves | 337068.83 | 18921.01 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Cash Reserves | 186848.49 | 109649.94 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | Cash Reserves | 154010.37 | 16861.95 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.3200 | 41.0000 |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | Cash Reserves | 28807.09 | 15726.77 |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Cash Reserves | 851815.66 | 166968.36 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Credit Report Date | 06/06/2025 | 07/01/2025 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Cash Reserves | 70244.97 | 32501.19 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 48.2300 | 42.7193 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Cash Reserves | 226372.28 | 126145.03 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | Cash Reserves | 518486.52 | 67977.66 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.6100 | 25.6364 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Borrower 1 Total Income | 17891.00 | 11794.07 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Cash Reserves | 372156.11 | 70766.51 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Credit Report Date | 06/30/2025 | 06/15/2025 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.8700 | 39.4599 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;510 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX | Cash Reserves | 423389.60 | 41744.80 |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | XXXXXX | Cash Reserves | 155353.51 | 75793.50 |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | Cash Reserves | 145398.00 | 41222.08 |
| &nbsp;&nbsp;&nbsp;607 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | Cash Reserves | 645334.09 | 295121.50 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Cash Reserves | 1282739.76 | 330879.53 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Cash Reserves | 116706.46 | 4548.87 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | Credit Report Date | 04/08/2025 | 06/30/2025 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Borrower 1 Total Income | 17712.00 | 2181.85 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Credit Report Date | 04/09/2025 | 04/03/2025 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.8200 | 44.3535 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.9100 | 38.0666 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Cash Reserves | 348819.08 | 17257.28 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Cash Reserves | 98085.91 | 7088.64 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Credit Report Date | 05/02/2025 | 05/01/2025 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Cash Reserves | 2614.97 | 79.64 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | Credit Report Date | 05/05/2025 | 05/03/2025 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | Cash Reserves | 45417.33 | 64729.75 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | Credit Report Date | 05/05/2025 | 06/06/2025 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | Cash Reserves | 7350.68 | 3273.89 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | Cash Reserves | 278905.67 | 158193.13 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | Representative Credit Score for Grading | 776 | 781 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | Cash Reserves | 400592.14 | 64728.70 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | Debt to Income Ratio (Back) | 44.7100 | 38.6581 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | Cash Reserves | 181012.58 | 89532.27 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | Cash Reserves | 294527.48 | 72558.78 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | Credit Report Date | 05/22/2025 | 05/26/2025 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | Credit Report Date | 05/26/2025 | 05/23/2025 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | Cash Reserves | 261123.73 | 150623.23 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | Representative Credit Score for Grading | 817 | 814 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | Cash Reserves | 292328.06 | 91811.07 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | Credit Report Date | 05/28/2025 | 06/11/2025 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | Property Type | Detached PUD | SFR-Attached |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | Credit Report Date | 06/02/2025 | 06/05/2025 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | Credit Report Date | 06/02/2025 | 05/31/2025 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | Representative Credit Score for Grading | 718 | 748 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | Cash Reserves | 377929.02 | 11356.93 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | Credit Report Date | 06/05/2025 | 05/22/2025 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | Cash Reserves | 83400.72 | 11038.76 |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | Cash Reserves | 597466.14 | 371506.86 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | Credit Report Date | 06/12/2025 | 06/09/2025 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | Representative Credit Score for Grading | 773 | 765 |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | Cash Reserves | 163306.54 | 26627.51 |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | Representative Credit Score for Grading | 739 | 746 |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | Cash Reserves | 850059.58 | 227774.24 |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | Cash Reserves | 32941.65 | 81108.38 |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | Cash Reserves | 523872.45 | 357027.28 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | Cash Reserves | 144333.11 | 189194.64 |
| &nbsp;&nbsp;&nbsp;597 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;541 | XXXXXX | Debt to Income Ratio (Back) | 39.7700 | 28.9365 |
| &nbsp;&nbsp;&nbsp;596 | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;540 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;398 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;612 | XXXXXX | Property Type | SFR | SFR-Attached |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | Cash Reserves | 204167.89 | 79578.72 |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | Credit Report Date | 07/09/2025 | 07/02/2025 |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | Cash Reserves | 26286.79 | 366.63 |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;613 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | Credit Report Date | 07/15/2025 | 06/30/2025 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | Cash Reserves | 396664.03 | 234.75 |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | Credit Report Date | 07/24/2025 | 07/16/2025 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | Cash Reserves | 110206.53 | 18537.00 |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | Cash Reserves | 445405.56 | 221232.19 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | Cash Reserves | 198023.00 | 21397.67 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | Product Type | 30 Yr Fixed | 29 Yr Conventional |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | Cash Reserves | 197662.61 | 60592.82 |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | Cash Reserves | 400054.00 | 173446.39 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | Cash Reserves | 281135.24 | 177819.21 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | Cash Reserves | 395580.34 | 151754.55 |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | Cash Reserves | 340755.15 | 11715.63 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | Cash Reserves | 130635.50 | 10858.97 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | Cash Reserves | 433334.28 | 129055.02 |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | Credit Report Date | 05/15/2025 | 06/04/2025 |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | Cash Reserves | 429426.31 | 44702.98 |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | Cash Reserves | 553445.00 | 65835.83 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | Debt to Income Ratio (Back) | 49.9580 | 44.8381 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | Cash Reserves | 551535.49 | 42889.10 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | Cash Reserves | 94979.99 | 16286.29 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | Cash Reserves | 184693.77 | 72816.39 |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | Cash Reserves | 94266.76 | 8671.18 |
| &nbsp;&nbsp;&nbsp;640 | XXXXXX | Credit Report Date | 03/26/2025 | 07/07/2025 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | Borrower 1 Total Income | 6760.32 | 4206.80 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | Cash Reserves | 2863641.00 | 850527.40 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | Cash Reserves | 185259.55 | 97232.28 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | Debt to Income Ratio (Back) | 32.6770 | 27.3142 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | Cash Reserves | 141074.64 | 44108.34 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | Cash Reserves | 170483.48 | 66487.77 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | Cash Reserves | 366564.62 | 130408.52 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Broker |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | Cash Reserves | 178012.77 | 11891.69 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | Cash Reserves | 130863.00 | 96876.68 |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | Cash Reserves | 177734.21 | 83157.59 |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | Credit Report Date | 05/10/2025 | 06/18/2025 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | Cash Reserves | 184781.90 | 57197.11 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | Cash Reserves | 83420.87 | 27613.53 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | Cash Reserves | 198699.70 | 34775.03 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | Cash Reserves | 645354.10 | 452236.42 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | Cash Reserves | 765696.23 | 12103.47 |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | Credit Report Date | 04/14/2025 | 04/15/2025 |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | Cash Reserves | 97261.77 | 198657.77 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | Debt to Income Ratio (Back) | 41.7910 | 36.6004 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | Borrower 1 Date of Birth | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | Cash Reserves | 259239.43 | 160204.61 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | Credit Report Date | 04/30/2025 | 04/09/2025 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | Cash Reserves | 160601.67 | 1839.03 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | Credit Report Date | 04/04/2025 | 04/14/2025 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | Debt to Income Ratio (Back) | 22.2580 | 15.7031 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | Cash Reserves | 258712.57 | 139976.75 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | Cash Reserves | 380728.00 | 249049.71 |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | Cash Reserves | 279298.90 | 61094.40 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | Cash Reserves | 662520.49 | 60951.73 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | Cash Reserves | 160000.00 | 9694.14 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | Cash Reserves | 349795.85 | 216414.57 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | Credit Report Date | 03/26/2025 | 04/02/2025 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | Cash Reserves | 204551.94 | 58459.99 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | Credit Report Date | 05/21/2025 | 06/20/2025 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | Cash Reserves | 12562.43 | 33091.63 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | Credit Report Date | 04/15/2025 | 05/02/2025 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | Cash Reserves | 81126.39 | 19250.31 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | Representative Credit Score for Grading | 770 | 767 |
| &nbsp;&nbsp;&nbsp;584 | XXXXXX | Cash Reserves | 201356.19 | 67953.19 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | Cash Reserves | 175000.00 | 65193.87 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | Cash Reserves | 128936.00 | 17100.09 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | Cash Reserves | 161638.70 | 65495.83 |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | Cash Reserves | 12695.47 | 19726.16 |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | Credit Report Date | 05/02/2025 | 06/23/2025 |
| &nbsp;&nbsp;&nbsp;630 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;493 | XXXXXX | Cash Reserves | 129965.39 | 36608.84 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | Cash Reserves | 283405.78 | 147263.88 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | Property City | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;622 | XXXXXX | Cash Reserves | 306509.74 | 7409.74 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | Cash Reserves | 400000.00 | 77170.56 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | Cash Reserves | 504821.46 | 206822.70 |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | Debt to Income Ratio (Back) | 48.2080 | 44.2799 |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | Cash Reserves | 298678.76 | 86539.88 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | Cash Reserves | 294000.00 | 51104.78 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | Cash Reserves | 353592.87 | 242698.13 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | Cash Reserves | 310380.12 | 80641.73 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | Debt to Income Ratio (Back) | 30.3290 | 26.3665 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | Cash Reserves | 212549.75 | 11706.71 |
| &nbsp;&nbsp;&nbsp;283 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | Cash Reserves | 198384.05 | 125347.21 |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | Cash Reserves | 133607.50 | 48185.63 |
| &nbsp;&nbsp;&nbsp;288 | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | Cash Reserves | 126809.70 | 3486.77 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | Cash Reserves | 199392.56 | 1154.78 |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | Cash Reserves | 466169.88 | 45956.22 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | Cash Reserves | 228780.29 | 14672.60 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | Cash Reserves | 130142.78 | 33645.42 |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | Cash Reserves | 137860.00 | 24173.50 |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | Debt to Income Ratio (Back) | 49.8070 | 45.1844 |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | Cash Reserves | 112441.19 | 14397.97 |
| &nbsp;&nbsp;&nbsp;648 | XXXXXX | Cash Reserves | 252910.61 | 144414.75 |
| &nbsp;&nbsp;&nbsp;308 | XXXXXX | Cash Reserves | 145759.00 | 66906.91 |
| &nbsp;&nbsp;&nbsp;308 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | Cash Reserves | 402991.40 | 140559.22 |
| &nbsp;&nbsp;&nbsp;313 | XXXXXX | Cash Reserves | 135251.97 | 321.19 |
| &nbsp;&nbsp;&nbsp;315 | XXXXXX | Cash Reserves | 174001.00 | 78729.34 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | Cash Reserves | 117314.87 | 12684.71 |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | Cash Reserves | 367036.01 | 217662.63 |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | Credit Report Date | 04/22/2025 | 06/02/2025 |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | Cash Reserves | 92835.71 | 17066.38 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | Cash Reserves | 353679.76 | 5805.71 |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | Cash Reserves | 130000.00 | 41502.38 |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | Debt to Income Ratio (Back) | 44.7020 | 34.4030 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | Cash Reserves | 134647.51 | 47683.91 |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | Cash Reserves | 206519.33 | 72228.02 |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;330 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | Borrower 1 Total Income | 21034.11 | 27352.62 |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | Debt to Income Ratio (Back) | 48.4030 | 36.8560 |
| &nbsp;&nbsp;&nbsp;331 | XXXXXX | Total Monthly Income | 21034.00 | 27352.62 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | Cash Reserves | 230169.24 | 47394.38 |
| &nbsp;&nbsp;&nbsp;634 | XXXXXX | Cash Reserves | 346138.01 | 115014.68 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | Cash Reserves | 89142.07 | 54339.49 |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | Cash Reserves | 138977.99 | 1085.52 |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | Representative Credit Score for Grading | 790 | 796 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | Cash Reserves | 251983.89 | 32365.45 |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | Cash Reserves | 420183.23 | 302715.08 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | Borrower 1 Total Income | 20233.42 | 25570.50 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | Cash Reserves | 776866.40 | 151020.31 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | Debt to Income Ratio (Back) | 49.0210 | 42.8979 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | Total Monthly Income | 20233.00 | 25570.50 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | Cash Reserves | 599128.03 | 36046.06 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | Credit Report Date | 06/18/2025 | 07/08/2025 |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | Cash Reserves | 112239.63 | 33375.67 |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | Cash Reserves | 273306.84 | 20008.65 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | Cash Reserves | 223500.00 | 124551.22 |
| &nbsp;&nbsp;&nbsp;416 | XXXXXX | Cash Reserves | 99711.86 | 3404.27 |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | Borrower 1 Total Income | 13690.90 | 3690.90 |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | Cash Reserves | 456582.61 | 1929468.35 |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;635 | XXXXXX | Property Type | Low Rise Condo (1-4) | Detached PUD |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | Cash Reserves | 734781.04 | 308687.44 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | Cash Reserves | 135321.72 | 2104.55 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | Representative Credit Score for Grading | 797 | 789 |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | Cash Reserves | 358470.00 | 82091.44 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | Cash Reserves | 237554.81 | 72024.88 |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | Cash Reserves | 237895.96 | 38924.11 |
| &nbsp;&nbsp;&nbsp;577 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | Cash Reserves | 231046.12 | 156316.38 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | Origination Channel | Correspondent Flow without delegated underwriting | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | Credit Report Date | 05/07/2025 | 06/27/2025 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | Cash Reserves | 164561.77 | 46143.26 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | Cash Reserves | 226000.00 | 36680.24 |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Retail |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | Credit Report Date | 06/10/2025 | 04/21/2025 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | Cash Reserves | 100000.00 | 8694.63 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | Cash Reserves | 172415.97 | 29313.45 |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | Representative Credit Score for Grading | 758 | 774 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | Cash Reserves | 186589.68 | 102512.01 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | Cash Reserves | 50000.00 | 0.00 |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | Cash Reserves | 361618.79 | 87332.28 |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;436 | XXXXXX | Origination Channel | Correspondent Flow without delegated underwriting | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;505 | XXXXXX | Cash Reserves | 221194.04 | 46890.17 |
| &nbsp;&nbsp;&nbsp;505 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | Cash Reserves | 188400.12 | 19648.49 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | Debt to Income Ratio (Back) | 38.1050 | 44.5500 |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | Cash Reserves | 327419.06 | 178093.48 |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;549 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | Cash Reserves | 173800.03 | 64902.48 |
| &nbsp;&nbsp;&nbsp;504 | XXXXXX | Debt to Income Ratio (Back) | 30.7080 | 25.9420 |
| &nbsp;&nbsp;&nbsp;643 | XXXXXX | Cash Reserves | 159007.46 | 56723.61 |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | Credit Report Date | 05/26/2025 | 06/16/2025 |
| &nbsp;&nbsp;&nbsp;529 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | Cash Reserves | 379112.16 | 26919.07 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Retail |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | Cash Reserves | 444700.64 | 69329.72 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | Cash Reserves | 228081.00 | 1426.89 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | Debt to Income Ratio (Back) | 25.4880 | 5.3576 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;387 | XXXXXX | Cash Reserves | 1046191.13 | 561129.40 |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | Cash Reserves | 250680.71 | 31810.43 |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Retail |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | Cash Reserves | 468721.68 | 283028.78 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | Cash Reserves | 427334.58 | 198272.78 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | Cash Reserves | 323823.89 | 190753.04 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | Credit Report Date | 06/30/2025 | 07/01/2025 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | Origination Channel | Correspondent Flow without delegated underwriting | Retail |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | Cash Reserves | 80769.22 | 721.63 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | Credit Report Date | 06/02/2025 | 06/04/2025 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | Cash Reserves | 142011.74 | 38739.97 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | Cash Reserves | 733610.77 | 128605.59 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | Credit Report Date | 04/19/2025 | 05/19/2025 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | Property Type | Low Rise Condo (1-4) | Site Condo |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | Cash Reserves | 149282.00 | 15272.42 |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | Cash Reserves | 548549.25 | 40122.97 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | Representative Credit Score for Grading | 767 | 780 |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | Cash Reserves | 176919.45 | 68891.87 |
| &nbsp;&nbsp;&nbsp;419 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | Cash Reserves | 442251.26 | 87484.08 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Correspondent Bulk |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | Cash Reserves | 188477.59 | 17683.03 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | Representative Credit Score for Grading | 814 | 818 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | Borrower 1 Total Income | 15718.62 | 11417.19 |
| &nbsp;&nbsp;&nbsp;646 | XXXXXX | Debt to Income Ratio (Back) | 42.3070 | 38.2267 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | Cash Reserves | 255246.87 | 140260.63 |
| &nbsp;&nbsp;&nbsp;642 | XXXXXX | Cash Reserves | 239489.47 | 60330.73 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | Cash Reserves | 497539.83 | 294871.95 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | Cash Reserves | 215545.88 | 2197.34 |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | Cash Reserves | 100000.00 | 56103.82 |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | Cash Reserves | 208438.10 | 103400.21 |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | Cash Reserves | 125727.27 | 36557.61 |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | Cash Reserves | 133353.83 | 93221.16 |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;430 | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | Cash Reserves | 262961.02 | 105941.62 |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | Origination Channel | Correspondent Bulk | Correspondent Flow with delegated underwriting |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | Cash Reserves | 200000.00 | 84423.57 |
| &nbsp;&nbsp;&nbsp;645 | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | Cash Reserves | 152307.58 | 7378.88 |
| &nbsp;&nbsp;&nbsp;615 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |

---

<sup>©</sup>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 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC - PMTLT 2025-CNF1_J16134 |
| **Valuations Summary** |  |
| *Loans in Report:* | *260* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For**<br> **LTV** | **Appraised**<br> **Date** | **Appraised**<br> **Value** | **Appraisal**<br> **Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review**<br> **Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Report**<br> **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 524 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 4 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 7 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 9 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 13 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 7.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 566 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.60% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 550 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 1.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.34% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 22 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 14.60% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 443 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -1.98% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 23 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 510 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 539 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -0.68% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 537 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 473 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>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% | XXXXXX | XXXXXX | XXXXXX | 10.08% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 607 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-<br>Fam (Mar<br>05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 506 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 394 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 405 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 35 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 36 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 393 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 528 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -3.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -9.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 44 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 47 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -8.84% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 50 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>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% | XXXXXX | XXXXXX | XXXXXX | -2.60% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 51 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -4.91% | XXXXXX | XXXXXX | XXXXXX | -11.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -3.42% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 73 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -1.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.94% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -9.77% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 477 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 462 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 571 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -8.88% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |

---

------

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| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For**<br> **LTV** | **Appraised**<br> **Date** | **Appraised**<br> **Value** | **Appraisal**<br> **Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review**<br> **Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Report**<br> **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 9.22% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -4.35% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 461 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 471 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>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% | XXXXXX | XXXXXX | XXXXXX | 9.79% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 491 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 395 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 475 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 559 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 492 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -9.23% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 586 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -2.28% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 20.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 536 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 15.65% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 11.82% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 567 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 597 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>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% | XXXXXX | XXXXXX | XXXXXX | 16.21% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 499 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -2.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 541 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 596 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 540 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.83% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 411 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 398 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>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% | XXXXXX | XXXXXX | XXXXXX | -6.65% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 612 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 538 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 589 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 580 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 490 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -1.31% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 413 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 1.69% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 407 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 472 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -2.21% | XXXXXX | XXXXXX | XXXXXX | -11.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 442 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 613 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 7.97% | XXXXXX | XXXXXX | XXXXXX | -10.14% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 608 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -11.86% | XXXXXX | XXXXXX | XXXXXX | -12.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 595 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -7.64% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 601 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 590 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 410 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 445 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 3.35% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 588 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 459 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 497 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 151 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |

---

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| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For**<br> **LTV** | **Appraised**<br> **Date** | **Appraised**<br> **Value** | **Appraisal**<br> **Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review**<br> **Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Report**<br> **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -5.64% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 640 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 500 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -0.53% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 3.92% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 3.02% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 216 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 225 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 4.69% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 584 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 630 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 493 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 622 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 259 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 262 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 263 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 2.04% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 264 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 269 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 271 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 273 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 275 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 282 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 283 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 501 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 288 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 9.64% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 291 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 292 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |

---

------

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| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For**<br> **LTV** | **Appraised**<br> **Date** | **Appraised**<br> **Value** | **Appraisal**<br> **Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review**<br> **Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Report**<br> **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 302 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 306 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 307 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 648 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 308 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 309 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 313 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 315 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 318 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 320 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 321 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 324 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 326 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 327 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 330 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 331 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 15.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 336 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 634 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 343 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 344 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 348 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 351 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 352 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 495 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 357 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 358 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 359 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 416 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 635 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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% | 1.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 367 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 370 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 371 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 372 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 450 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 374 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 577 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 469 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 377 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 404 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 379 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 563 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 380 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 457 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 382 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 494 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 480 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 383 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 415 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 436 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 505 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 482 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 554 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 549 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 504 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 643 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 529 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |

---

------

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| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For**<br> **LTV** | **Appraised**<br> **Date** | **Appraised**<br> **Value** | **Appraisal**<br> **Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review**<br> **Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report**<br> **Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Report**<br> **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Report**<br> **Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 387 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -0.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 418 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 391 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 422 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 454 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 485 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 399 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 451 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 574 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 488 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 638 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 419 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 583 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 401 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 646 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-<br>Fam (Mar<br>05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 503 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 642 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 20.22% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 513 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | -1.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 517 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 543 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 532 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 420 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | Not<br>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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 438 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 426 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 429 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 430 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 564 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 645 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 |  |  | Not<br>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% | XXXXXX | XXXXXX | XXXXXX | 0.36% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 615 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |

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